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Hi Thanks for advice, not got access to details of exact payments at moment but i know roughly what they are, i pay £170 a month to payplan. Cabot gets £63 mbna sold 4 accounts Capital 1 £17 c/card DLC £19 direct legal+ collections Hbos £ 6 overdrawn bank acc RBS £ 9 c/card Tesco loan £33 pers loan Link £12 c/c coop sold on p/plan £10 insurance payment . Re some answers i got back, what i am worried about is the fact i own my own home/car and payplan say i could be made to sell them to pay off my debts off due to the amount equity i have, as even if defaults are off my credit file i still owe the debt and if the cca is not enforceable i would be worried if i stopped paying, could i be made to sell home to pay debt off, by action from the companies.

Hi I have listed my debts and to who in question 3. what do you mean not unenforceable? they were unsecured credit card purchases and a unsecured personal loan apart from a 2k overdraft bank account, is the listed creditor names i mention in q3 sufficient to who/what i owe for you to help, and can you explain how i check to see if debts are enforceable please. as i don't know what i need to do by this, as i said all my debts are unsecured c/cards and a personal loan, if this helps my case.. thanks for any help you can give on this

Hi all, I am looking for some advice in the best way to proceed with my debt problem, I started a DMP with Payplan in 2009 with unsecured debts of over £65k in total from various credit cards over a 10+ year period before 2009 inc a £20k unsecured personal loan of about 5 years paid, I had made regular payments without missing a payment to all, but could no longer afford payments after c/c companies kept upping the interest rates, and stopping 0% balance transfer rates etc then i lost my job in the crash, I have paid Payplan and not missed a payment since i started DMP in 2009, i still owe around £48k debt i own my own house by recently finishing my mortgage and own my own car which Payplan reminding me about, i could lose. At the start of my DMP i did sent most c/card companies a CCA which seemed to come back ok, or copies of the agreements, which i was told are ok i did not PPI any as i did not take out any PPI at the times and used to look at my statements to make sure it was not added on as a payment on there. Also as i am not paying any interest on my repayments through Payplan i also did not want to rock the boat, and upset c/c companies as i heard that some become agitated and start charging interest etc if you PPi them etc. Payplan keep wanting to put me onto a IVA as they say i will be debt free in 6 years and it will protect my assets, which a DMP does not i will take 15+ years to clear on a DMP, i have checked my credit report and only my overdrawn bank account is still listed on there, as it did not go into default at the same time as the other creditors registered a default on my accounts, but 2 years later, even though Payplan made payments to them for 2 years before they registered a default, i still have this listed on my credit file until next year it seems. 1.Payplan tell me that after i paid off all my debt it will be another 6 years after before the defaults are off my credit file, but this does not seem correct as most seem to be off my noodle credit file now. 2.Do you think a IVA is the best way forward as i did not want to go this way as i seem to get asked by lots of companies now if i have/had a IVA even potential employers etc .or are Payplan after a commision to set up a IVA. 3.Most of my original debts have now been sold off, mostly to Cabot- 25k, my personal loan is still with tesco -10k,and 1 sold to Link -5k, Hbos bank account -1.5k, DL collections -5k, Capitol 1 -1k, originally all unsecured debts. 4. What do i do for my best plan of becoming debt free and trying to rebuild my credit rating, i was thinking of maybe offering 10%-20% of my total debt as a partial repayment to the companies if i can go cap in hand to my family and explain my situation which i have hidden from them, as i have paid off some companies 15% settlement in cases of 1K figures in the past to clear off some some years ago but now i get offers of 50-75% payments from companies. 5,I think i read that after 6 years the debt is taken off your credit file but you are still liable for all the debt until it is repaid or companies can still come after you in the future if you stop paying or you have assets etc making sell them to pay off your debt, i just want the best safest way to clear this with the least hassle and worry that i had before Payplan helped me. Sorry for the War and Peace, Any advice on this please. Thanks

Retailer was whitebox.com

Appliance is just coming up to 3 years old.

......Oh, and any takers for advising a sensible email address to use for this (hotpoint address of course)?

It's £32 so not huge value but there's much more value in the oven that is now rendered useless, £500! Thanks for the advice by the way.

Thanks I paid with visa debit, can I still do as you suggest? Is there a time limit? It's now been almost 14 days since transaction was completed.

Hi all Not sure which sub category this should go in so here I am in the general retail area. I bought a replacement seal for my oven door. This was direct via the Hotpoint spare parts department, bought over the phone. I gave the oven model number to the operator who advised the correct part and took payment. On receipt of the item I've found that it is very similar to the original part (but not the same) but does not fit the oven. I've called Hotpoint four times to try and resolve the issue, they are excruciatingly difficult to deal with. They are refusing to refund because the 'correct' part has been sent, have accused me of being incapable of fitting the part (seriously, fitment couldn't be more straightforward!), and have three times told me that they must check with their technical team and call back but have not called back. I have tried to escalate the issue but their operators refuse to let me speak to a supervisor and there is no number for complaints. A refund isn't really what I want (but will settle for this). I can't use the oven without a seal. This oven is only three years old! I'm a bit stuck and would be grateful for any helpful advice. TIA VB

just to recap, are you saying that if i did not pay a f+f now, and just kept paying my dmp for another 3 years when the defaults drop off my cra file, i wont be liable for any more payments, as the debt also stops, or do i still have to keep paying the debt until cleared, it is just the default comes off my record.

just to update my last post, and ask for more clarification advice, a creditor has come back with acceptance of my f+f offer, and has said it will mark my cra with a update to reflect a partial settlement was accepted on this account, is this ok , as it also says no further action will be taken in respect of the remaining balance, all my accounts have been on a dmp for 3 years since they entered into default in 2009, are there any benifits to me in paying this debt off now, over just paying my agreed amount for the next 3 years , when all the debts fall off my cra flie or so i believe, as it has been 6 years since defaults were first registered , is this correct? or do they fall off but i am still liable for my debts until cleared, as some dca will not accept my f+f so my debts with them still stand, and defaults will still be on my cra file for the next 3 years.

no i have not recieved all that you list from any that i requested cca from, some just sent a copy of a agreement of the time when card was taken out , not signed etc, some a signed copy of the terms/agreement when the card was taken out, but none have sent statements from the time of signing or at the time of default, most cards were taken out before 2007, and all went into default in/ around 2009.when i started with a dmp. can dca or original lender turn up with the cca paperwork after the 12+2 days time deadline? of a cca request to make a account enforcable or not?

I am looking for some advice please, i am on a dmp with payplan which i started 3 years ago, all my debts are unsecured credit card debts, i cca'd my account holders with my £1 postal orders last feb after reading about this from the forum, some of which are now debt collection agencies, as my original lenders have sold the debts on to them, what i wanted to know is the ones that have come back and said that the original lenders have not been able to supply the paperwork when asked for it, can they turn up with the paper work some 6 months later to make the account enforceable, as one is trying to do now i have made them a f+f offer, as they are also are saying they will get the relevent paper work soon, and sorry for the delay some 6 months later, and remind me that they can get a charging order on my house as well, against the debt, i was lead to believe when you ask for a cca report with your £1 fee they have 12 +2 days to supply it to you, or the account becomes unenforceable. I am still paying all my creditors who have or have not supplied the paperwork, but the ones without the cca paperwork i was going to make low f+f offers to, as i assumed the 12+2 days time limit had passed, and the debts became unenforceable, is this correct or can they turn up with the cca paper work and make the account enforcable at any time in the future.

Thanks for the replies, why move to another dmp with someone else, what would i gain, all debts are about 3 years old, there are 4 companies from about 10, at this moment in time that cannot find the cca paperwork, 3 with dca, 1 with original lender (coop), who only registered late payment on my file. As i asked previously , what if i don't pay because of no paper work what can they do, as i have admitted liability to the debts, do all debts finish after 6 years paid off or not when the defaults come off in another 3 years.

Thanks for the replies, why move to another dmp with someone else, what would i gain, all debts are about 3 years old, there are 4 companies from about 10, at this moment in time that cannot find the cca paperwork, 3 with dca, 1 with original lender (coop), who only registered late payment on my file. As i asked previously , what if i don't pay because of no paper work what can they do, as i have admitted liability to the debts, do all debts finish after 6 years paid off or not when the defaults come off in another 3 years.

Can someone please offer me some advice on ths matter please, i have some registered defaults on my credit file from credit card companies for the last 3 years, i am in a dmp with payplan with who i make a token payment to all companies as i am unemployed. I have written to all card companies asking for my cca, some have replied that they cannot find any paperwork and that the account is unenforcable, and others have said they cannot find the cca and will suspend payment to the account until the cca is found. 1, what is the position on this, do i carry on paying them or just stop until they find the paperwork,if they ever do? 2, if they dont get back to me until after the 6 year time period for the defaults has elapsed, and the defaults are removed , what then? 3,if i was to be given a cash sum to make an offer of a f+f payment to all is there any benefits to pay them off now,before the 6 years, if accepted, or just keep paying the token payments until the 6 years has passed and defaults are removed anyway, am i still liable to keep paying after the defaults are removed, until the total debt is repaid, as at this rate it would take me 25+ years to clear with the token payments, i make to them. THANK YOU FOR ANY ADVICE ON THIS MATTER

Can someone please offer me some advice on ths matter please, i have some registered defaults on my credit file from credit card companies for the last 3 years, i am in a dmp with payplan with who i make a token payment to all companies as i am unemployed. I have written to all card companies asking for my cca, some have replied that they cannot find any paperwork and that the account is unenforcable, and others have said they cannot find the cca and will suspend payment to the account until the cca is found. 1, what is the position on this, do i carry on paying them or just stop until they find the paperwork,if they ever do? 2, if they dont get back to me until after the 6 year time period for the defaults has elapsed, and the defaults are removed , what then? 3,if i was to be given a cash sum to make an offer of a f+f payment to all is there any benefits to pay them off now,before the 6 years, if accepted, or just keep paying the token payments until the 6 years has passed and defaults are removed anyway, am i still liable to keep paying after the defaults are removed, until the total debt is repaid, as at this rate it would take me 25+ years to clear with the token payments, i make to them. THANK YOU FOR ANY ADVICE ON THIS MATTER

no, that is not the case as i had no defaults at all until 3 years ago was the earliest, as i said, what do you suggest is my best course of action with this query.

no, that is not the case as i had no defaults at all until 3 years ago was the earliest, as i said, what do you suggest is my best course of action with this query.

thanks dx100uk for your replies, what i am trying to say is my mbna card was taken out in 2004 , i was up to date with it, no default until 3 years ago when i defaulted with my repayments i then entered into a dmp with payplan around 3 years ago which i am still paying, recently i found that the mbna debt is not shown on my credit file with noddle, and i was asking the forum for advice in this strange situation.

thanks dx100uk for your replies, what i am trying to say is my mbna card was taken out in 2004 , i was up to date with it, no default until 3 years ago when i defaulted with my repayments i then entered into a dmp with payplan around 3 years ago which i am still paying, recently i found that the mbna debt is not shown on my credit file with noddle, and i was asking the forum for advice in this strange situation.

thanks for the reply, but the debt is only 3 years old as i mentioned, also will the defaulted debt be removed from my credit record after 6 years from my first defaulted payment, even though i still pay agreed dmp payments because if nothing changes, i would not have cleared my debt in the next 3 years on my current payments, or is it 6 years without paying anything from the start of default period.

thanks for the reply, but the debt is only 3 years old as i mentioned, also will the defaulted debt be removed from my credit record after 6 years from my first defaulted payment, even though i still pay agreed dmp payments because if nothing changes, i would not have cleared my debt in the next 3 years on my current payments, or is it 6 years without paying anything from the start of default period.

hi to all the helpful forum people out there who give people like me some hope that all is not completly lost by being in debt, what i would like to know is how i should go about this query i have, i have a dmp with payplan which i have been in for around 3 years, i was recently going through my credit file on noddle i found that a mbna debt which i had listed as a debt when i started my dmp plan with payplan is not shown on my credit file report , or the owed amount of money under any other collectors name/number, payplan still pay this mbna account every month on my behalf, payplan say what i do about this query is up to me, should i ask mbna to prove i owe this debt, as it is not on my credit file, or am i still liable for it as i have /am still making payments to this now non existant account that is not shown up on my noddle credit file, i have not checked with the other credit refrence agencies to see if it is shown on their records yet, but will soon to make sure before taking any action you might suggest. if it is not shown, i would like some advice on how to approach this issue as it might save me a few £000 if wiped out, and from past experience with mbna's collectors , who mbna passed my other mbna account over to, mbna could not provide any copies of the original agreement when requested to , so will also probably struggle with this account if the same was requested, as they were both opened many years ago . thank for any help on this matter