I don't think I have the original paperwork anymore, I complained the carcraft about it and said I didn't agree to have the warranty on a loan at all - both me and my partner were there when the salesman said the 5year warranty would be free. they produced the agreement where i had signed - the loan amount was on there but i was told this was simply a 'top up loan' because the original lender didn't feel able to lend me the full amount :/ how would I go about chasing up the mis-selling?

is it worth me doing a CCA request?

does this apply for child benefit and child tax credits? my bank takes at least £35 from me a month out of the benefits i'm paid for bounced d/ds, since the first time it happened it's been a knock on effect each month

1 account with Littlewoods - approx £350 - no payments being made, debt is increasing every month as non-payment fees are added (it was down to approx £200 before I lost my job in Aug) has had odd payments here and there since 1 Very account, approx £1000 - no payment being made, debt increasing as above with missed payment fees - was being paid regularly until I lost my job, had odd payments here and there since 1 nursery debt of £360, held with solicitors, payment arranged at £20pm 1 debt to BT, approx £60.. line has been cut off and has apparently been passed to DCA - no payments made 1 debt of approx £1200 held with Red Castle (the warranty loan mentioned in my post) - no payment being made, was paid regularly on an arrangement until losing my job 1 debt to Virgin Media of £80 - no payment ever made - with DCA 1 debt to Santander (store card) of approx £250, no payments being made, was being paid regularly til i lost my job 1 debt to barclaycard, approx £500, was paid regularly til i lost my job, no payments being made - with DCA 1 debt to Philips, £100 remaining, currently being paid £50pm after they called at the house. I also have personal debts to friends/family. I've done income & expenditure and my expenditure without any payments to debts is already more than my income. I receive child tax credits and child benefit (approx £330pm) I'm entitled to other benefits but due to a lot of confusion with my application it is still being processed (yes, 3 months later!) my income at the moment is less than the gov. actually say I need to live. things are very dire. realistically no i can't afford it, i can't afford any of them but i am trying to do what i can. so Lowell/Red won't bankrupt me? they did mention Hamptons Legal - I have the letters here..is it a possibility that they don't have correct paperwork hence not hounding/pushing me?

Hi, Long story, back in early 2007 i bought a car from carcraft, altogether it was around £10k. Repayments were maintained and I changed my car in 2009, the new debt was added to the old amount and totalled £16,300. Shortly after I unexpectedly lost my job and was unable to pay. when this happened it came to my attention that carcraft had tucked in a loan of approx £2000 to cover a warranty that i was told would be for free. I queried this with carcraft as when i went through all the paperwork I found a sheaf of papers stapled together so I had to break them open, inside was details of this 'loan' and of course none of it signed. anyhow, that was passed to redcastle, the debt for the cars (approx £16k) has been passed to Lowell in the last month or so. I initially received a letter informing me they were dealing with my account. I had one or two further letters asking me to contact them to pay. I didn't contact them as I'm worse off now than I was before financially. Then I received a letter from Red threatening to make me bankrupt and that they were researching my credit report. as it is, my credit report is completely messed up with pretty much everything in default. then approx 2 weeks ago i received a letter offering me 25% off or £60pm..I found this very strange - why don't they just bankrupt me? it seems off that they have made this threat but then backed off and playing all nicey-nicey with me? I went online and offered £10pm fully expecting them to reject my offer and bankrupt me (I can't deny that I felt some relief when I read they would look into bankrupting me, as I struggle a lot with my debts and they are running and ruining my life) today i receive a letter accepting my £10pm - on a debt of over £16,200. Could it be there's a reason they are not pursuing bankruptcy and have offered an amount that will take me 135 years to pay off?! Is there some sort of letter i can send to find out information? I've seen that there are lots of templates but I don't understand which one would be best? also, have I complicated things by offering £10pm? any help would be very much appreciated..! :violin: