sorry ford cr edit passed the debt on to link whom i phoned to try and make some arrangement they in turn said they wanted all the money ie 3500 started phoning and harrassing etc so i sent for cca which they returned was enforcable so it ended up at county court first hearing they never showed up second time although am on debt management no spare money judge had to rule in their favour although he gave 56 days return of goods to give me time to get my refund from hmrc i then wrote to them with a f+f offer of 2750 of which i have recieved no reply next thing bailiff representing link turns up wanting van sent him packing i have already paid over17000 pounds on the finance now with all the costs they want around 5000 the van is now worth around 2500 so even if they took the van they could still come back for more when i get my tax refund i want to make a reasonable settlement but these people look as though they are not going to let go

hi have had a return of goods notice served on me for my van on april 1st judge giving me 56days to get the money together on which i am working on ie hmrc owe me a fair amount of money itsnow 20th april and link finance have already sent bailiff round after my van what can they do

i realise what you are saying it makes a lot of sense but the time involved and stuff i am not familiar with it seems in my circumstance it makes more sense to pass the buck and see how it goes the last 18 months i have had things couldnt get any worse i am in unfamiliar territory and need to get sorted pronto or i lose everything i have worked so hard for thanks so much for your input

i realise i could cca them all myself but some experience looking over them would spot something in error or wrong i would imagine will post on here my progress thanks for everybodys interest and advice

thanks am actually thinking of going to a company called innovative finance who manage the debts plus do all the cca work with all of the creditors for a lesser fee and they hope to either write some of the debt off or get it drastically reduced they claim to have a team of lawyers etc going over the cca,s have you come across this company? thnks for your interest

thnks thought it was more likely to be,the dpm does have a fee involved i pay a total of 200 pounds per month to ten creditors £50 going on management fees should i make a offer of say ten to fifteen% of the total debt as a full and final settlement or spread it amongst the others i am now thinking of going down the same route ie unenforcable on the other debts what do you advise appreciate your help

hi just got the original aggreement out to compare and noticed on the original copy right at the end in a box ford credit use only is empty on my original copy but on theirs is filled in also on the direct debit slip there is no ref nos although it states please fill in the whole form dont know if this makes any difference

it is dated 24/3/06 and yes it was signed by all parties over to you thnks for your interest

no ppi it does have amount of credit and apr and repayment terms and date and signed by both parties on their premises it looks proper to me dated 24/3/06 i am already on a dmp cant afford this what should i do ps they didnt send the cca till after 12:2 days so i did send of the second letter

sorry not that bright on here but it looks like a true copy i have the original

hi can anyone tell me the next step please link financial bought my debt from ford credit and immediately demanded full payment of 3;700 i sent them a cca letter in which they didnt conform within the 12 + 2 but belatedly sent me a true signed copy in which they state where this request was made under section 77 or 78 of the consumer credit act 2006 this document fulfils our obligations were to go now please any advise greatfully recieved