Any update from them since?

So the latest is I have agreed first thing Monday morning with CCP to make payment by 22nd February. Just received a telephone call from Chartsbridge to make arrangements to collect my vehicle as they have just been instructed by CCP!!!

Absolutely. I will be glad to get it paid and over the line so that I am protected at all costs. They cannot now come back and say it is on condition of this or that as they have now stated it in writing that they are happy. It means I will have paid around 6300 for a 2000 loan!

Update on this. I put in letter of complaint to their last reply this afternoon and I offered either a repayment plan or accept reduced settlement if I can have a period of one month to get this to them. I think that’s the best option as it gets rid of it. They have said they are happy to allow me a month to pay it. I think this is the best option as it gets rid of it. Has anyone any thoughts?

I’m pondering as I’m worried and I know I have to act and get something to them as what I am absolutely trying to avoid at all costs is someone turning up to repo the car. I know i have been told they have no powers but I’m still not sure of what alternative there is. I wouldn’t know where to begin with all other debts tbh and it’s something I would need to spend quite a significant amount of time getting all those details gathered up. My main concern at present is sorting this debt tbh and trying to do what I can to get it sorted. I will deal with all other debts in due course.

Thanks for this. What should I do if they refuse to negotiate anything on a monthly / weekly basis. I will go to FOS absolutely but unfortunately that still leaves me with the panic every day about the car.

I do understand that but I’m wondering just what the next move by CCP will be.

I’m curious as to what CCP will do now? I presume another DCA to try and recover?

Yes lots of it. I will make a seperate post for all of that when get this sorted. burlington have came back to me to say that as i have said I won’t be handing my vehicle back that they are closing their file and handing it back to CCP to pursue their other avenues of recovery activity and that I should let my insurers know that I do not have permission to drive the vehicle from its owners.

These are mostly all old as in around 2008/2012 or so. Other payday loans in 2019 but they are all smallish amounts

It’s addressed now in so far as I don’t do it any more but still have a lot of debt that I’m trying to work my way through and hoping that payplan will help me with that. No one chased me in lockdown etc so I haven’t bothered. I am keen now however to pay all back at an affordable rate.

Simple answer to that is gambling and having borrowed way too much previous to 2018 and simply not being in a position to meet all debts so always robbing Peter to pay Paul. From last year it just began to catch up. Then covid came and made it worse. Income reduced and job changed and dealing with mental health issues. That’s really the long and short of it.

Am I able to upload it like the earlier ones today? It seems to be easiest way for me to do it on my fone

Over the repossessions and over the 30 day rule re acting with debt management company and working with a customer to try and come to a solution. They say they only doing what the company has told them but if bound under the FCA they still must follow their rules The FCA though have said no repossessions though and they have not stipulated any particular type of agreement just that repossessions cannot take place. The DCA though claim on their website however that they are part of the FCA. So they cannot claim to be regulated by the FCA yet ignore their ruling on repossessions. I do know now though that they don’t have legal powers but this would still not stop them lifting my car. Legal powers or not unfortunately. I would not have the money to get it back and I would lose it. That’s my fear.

I felt that also to be honest. They can’t just decide to say what they like? Surely if both bound by FCA rules they have to abide by them re no repossessions. How can they say they don’t? You will see the DCA saying it is incorrect about no repossessions but what they are saying is completely wrong