Hi Dx, part & part, some are current debts but others have been handed over dca. thanks

Hi, After some help & advice please. I applied for a DRO back at the end of September and had my assessment on the 3rd October. Since then I have heard nothing and not received the draft. I have called numerous times but heard nothing back. I did the DRO through the CAB and now with the CAB durham DRO department. I have left a voice message, sent an email and am getting very annoyed at the fact I haven’t heard from them to get this sent to the insolvency department. Is there anything anyone can advise for me to push this to be seen to and sorted ASAP? Or is this just a waiting game? I have paid the £90 fee a few weeks before the appointment in October. thanks in advance; sleeptech

Thanks so much. really appreciate all your advice

Hi Dx, I have printed forms today, it says to tick D could I ask what is a good reasoning to give for this ? also the same for I box - how do I get a CCA? many thanks, sleep tech

Thank you Dx! correct Lowell & overdales!!

Oh yes sorry that’s the one! Should have actually read the subtitle. Thank you ST

Hi, I have had a letter from a solicitors today, explaining I have 30 days to pay £X amount to avoid CCJ. Neither of these debts have been paid since 2018, the EE contract went into default March 2018. Shop direct went into default November 2020. Just asking for general advice on whether I need to pay full amount or is there any letter templates I can send out to prevent paying the full balance? Many thanks, SleepTech

** Update ** diagnostic is to going to be undertaken by ourselves on Monday with our local garage. Big motoring world have been in contact to explain the letter and email has been received and someone will be in contact in due course. finance company have also contacted to say that the issues presented are not good enough and they have opened their own investigations and would like a copy of diagnostic to be sent (which it will be sent to finance company and BMWorld.) thank you, SleepTech

Good morning, jumping on the post as it was me who purchased the car. have done around 150/200 miles as it was over 45 miles purely for car collection. I can give absolute accuracy later if required. heres what I found regarding PCP: PCP was designed originally to be a personal leasing product for private individuals, However, because PCP is now classed as a conditional sale agreement, it offers private individuals protection under the Consumer Credit Act 1974 and the Financial Conduct Authority. many thanks, ST