Yes its a monkey firm... something gone wrong if the funds im paying them are not reaching the creditors.. or maybe they are and the creditors have lost it. As for reclaiming. I defo didnt take any ppi with the loan, not sure about the credit cards but when i was offered it I always refused as my work pays full sick pay for 6 months. So... unless its been put on without my knowledge i wont have any. As for interest... it stopped shortly after joining dmp. I dont think there is much to pursue in the reclaiming dept. Would like to know how a dca can default me though when im on an agreed payment plan! Thing is, first time i ever checked my file was last year.. i stupidly didnt know about these things! Pookie

I too have lots of equity, been with same mortgage company for 15 years yet they will do nothing for me because of my bad credit. My guaranteed overtime ended abrutly and my ex stopped paying maintenance and csa did nothing so i couldnt meet my commitments. I dont want to get out of paying my debts, Im not wanting to go down the cca route as a way of avoiding paying, i just kinda want to see what the dca's have etc in a hope of getitng a lower settlement than just 15% off.. especially in view of the age of the debt and the defaults. Hope someone has a look at my post and gives me some advice. Feeling pretty desolate about it all. I feel like im just stuck .. cant pay debts off till have some money, cant get money till i pay them off...

Thank you Nancy, its a nightmare isnt it. Hopefully someone will be able to help me too. Im stuck with a high interest mortgage and cant change it till the defaults drop off, I did think I could re-mortgage if i paid them off but now I know thats not an option i may as well wait a bit and get the cca's etc in. Feel extremely stressed with it all to be honest. Pookie

i do not want to avoid paying my debts, I simply want rid of them preferably without it leaving me even more brassic (ie by lowering my current montly payments) .. preferably with an eventual half decent settlement figure (60% max if poss) and preferably with a clean credit file. I have 5 debts totalling £16k from 2004/05 due to sudden big drop in my income. I have been in a dmp since 2005 and pay each creditor between £5 and £45 per month. All the debts are with a DCA's, some have been sold on several times. All the debts have defaulted in either 2005, 06, 07 and 08. Not sure how they managed to default when i was on an agreed payment plan but suppose they can do what they want. I am fed with it all and so my mum offered to lend me her savings of £9k to try to pay them off. I sent them all a full and final letter, ommiting any liability, and offered them all a pro rata amount. 3 have replied but wont accept and offered me a counter offer of 15%, 20% and 25% off. The other two have basically ignored me. My mum offered me this as i thought i may be able to re-mortgage (paying high interest at moment) if they were cleared, however just found out i wont be able to until the defaults have dropped off so I suppose its just as well they didnt accept. Then.. i found this site and have spent the past week reading the posts but im still confused so I would be really grateful if you could help me. From what i gather I should now send them all a cca request is this right? Should I send this to the dca or the owner (the owners are not the original creditors)? Again.. its not to avoid payment cos i would be useless in court.. its more to do with a bit of power to try to reduce the full and final settlement figure. One of my defaults is a duplicate that has been put on by both the original creditor and the dca, both have the same default date. Does this matter? Should I keep paying the dmp or come out and pay the dca's reduced amounts? If i do this could they then get a ccj against me? Also what if i kept paying the same and just paid reduced amounts after the defaults come off.. would that make any difference.. could they then ccj me? Ive got some payment statements from some creditors and there are loads of my payments missing, i have never missed a payment to the dmp so unsure where this money has gone, its in excess of £500 and i havnt got all the statements yet. Im wondering if some of these 'missing' payments have contributed to the defaults placed after i was in a dmp but how would i find out? Lastly, do you know if you can access 'dropped' off credit references from credit file? I settled an account with orange in 2009, its not showing on credit file but now ive got Mckenzie Hall chasing the debt for Capquest. First ive heard from them since 2009 when Moorcroft were dealing with it! Thank you, Pookie