Thank you! Your head is like a power bank of knowledge. Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her) I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 though her, which is why I came on here.

I am heading over to hers tomorrow so I will find out. Will there be something written in the agreement or does it depend on the agreement its self ? Just so I know what to look for, so I can provide as much information as possible on here.

Thank you all for the responses, to answers a few questions - she has had the car since Jan 23 on a 5 year term. - She is unsure what the agreement is called, but at the end she has the option to make a payment to "buy" the car - she recieves benefits for her young children alongside the ssp (normally she would be on NLW for a 16 hr a week job) - Yes she would like to keep the car She has not responded to the last email from them asking her to call and it'll be followed up in an email. I told her to hold off until atleast Wednesday so I can read a few posts on here and get some more information. I will ensure she follows up with a letter, that has not been signed but instead her name written. Thank you

Hello, *posting on behalf of my friend, I'll provide as much info as possible* During a pretty low point my friend moved into a social housing property, it was in a area with no family/friend connections so she started to look for a mutual exchange. She found one, signed the paper work and thought everything was okay. She has now decided she does not want to go through with the mutual exchange. Is she legally allowed to pull out after signing the paperwork or does she have to commit to the move? Thank you,

Morning, I am hoping someone can help, I am posting on behalf of my friend so I will try and provide as much info as possible. Due health reasons, she is currently not working and unable to pay her contractual car finance payments. She emailed 247 Money and asked for a 3 month payment holiday, they refused this straight away with no reasons as to why. They have told her that instead she can make a payment of £200. She is currently getting £400+ a month ssp so this is not acceptable. She went back to them and explained she cannot make this payment and they have not offered an alternative plan. Its £200 or she falls into default. She is now panicking as she does not want her car to be taken away. What options does she have? If I have learnt one thing from this forum, it's not to call and communicate via email. I passed this info on to her and they are pushing for her to call them. "Unfortunately, you will need to call us. The conversation won’t be so black and white as to therefore type over email. In a nutshell we can confirm that the request to not pay for 3 months we cannot put in place" I emailed them back on her behalf and said that what ever is discussed over the phone will need to be put in an email so that she can review it properly. No decisions will be made on that phone call. "Once we speak to you on the phone we will follow up with an email to confirm the options discussed. [Phone number]" Why are they pushing for a phone call? If its not so black and white, why can they then follow up with an email? Thank you,

Sorry, I got confused Yes, it states all three Thanks,

I have done a separate letter and form for each of the 3 debts and kind of ignored the Vodafone one for now Thanks

Thank you, I have drafted my letters and started to complete the reply form, printed from this site and not using the one they provided. 2 questions, on the forum link it says to tick box D & I, the reason for box D will be given on my thread, what would my answer be to "I dispute the debt"? Do I send anything for the Vodafone debt they have included? I've only done 118 loan s. 77 & capital one credit cards so. 78 Thank you

Happy Monday I have today received a "Letter of Claim - 30 days to prevent legal action" Dated 17 April 2024 I am already 5 days into the 30 days. What are my next steps? I know i cannot just ignore the letter as I have read that they will pursue for a CCJ which I am trying to avoid. As said above, I should not enter into a repayment plan with them am unsure as to what to do now. I think there was some confusion above, I have never moved. I have been at the same address for many many years, I have grown roots along with the plants. I cannot recall if I had defaults /loans when I got the 118 loan . This is something I will look into. Thank you

Okay thank you, they do have the correct address as they have sent letters regarding the debts so I should receive any and all communication from them. If/when I get a claim form do I just come back on here for advice ? Thank you

Thank you for the speedy reply! 1 - 118 loan I can't recall the last date of use/payment but the default date is set at 25/04/18 2- Vodafone, default date 01/12/19 3- Capital 1 default 13/05/18 I have logged into my bank and cancelled the payments until I know the best action to take. I understand I was a huge idiot to set up payment plans and since reading the posts on here I feel silly for not asking for help sooner. Thanks Jb

Hello, I recently entered into a payment plan with overdales, after reading a few posts on here I now realise it is the wrong thing to do! I have made 1 payment and have a recurring payment plan set up with them. Originally the debts were with Lowell and then passed onto overdales for further action. I owe a total of £4000 across 3 debts I have looked at my credit file and have noted that they are recoreded with lowell and due to hit 6 years in April 2024, May 2024 & Dec 2025. It is my understanding that after the 6 years the accounts will move to closed. If I decide to not pay overdales can they still chase me for these debts? Can they re-register them on my credit file? What steps can I take? I am finally seeing my old defaults reach the 6 year mark and I don't want new ones popping up. Any and all help is appreciated. Thank you Jb