Hi there When my OH went to court we were not advised by Payplan that we could have the debt set aside, so it wasn't. (I did complain to Payplan for not informing us we could do this). The debt was passed onto arrow global and then my OH received a Statatory Demand for Bankruptcy. The Judge said to my OH that it was a shame that he did not get advice before hand so we could have it set aside but we had never had this happen before. The judge said it was now down to the DCA to do what they were going to do next. I then wrote a huge complaint to the Solicitors acting for Arrow Global and the FOS whom are dealing with it, we have heard nothing since from Arrow Global. Sorry to ramble on, we have not seen the credit file but am presuming that there is a judgement logged on it not sure.

Hi Just to let you all know we received the 1995 T & Cs from one creditor (credit cards) but no copy agreement so have wrote to them stating account in dispute. 3 other creditors have failed to send anything at all so have contacted Trading Standards. One of the creditors took my OH to court and it was not set aside, not sure how this one will work when it comes to unenforcing it? Also we are on a DMP so not sure how to go about this enforcing thingy?

Hello people A question. I requested copies of credit agreements with various lenders and one have sent this to us but it only appears to be the terms and conditions? The account is still open but we are on a DMP. I thought they had to send you a true copy not t&cs. When the lenders have 12 days when does the 12 days start and end. I posted them on 27 feb and they all received the request on 02 march? Still awaiting 3 copies.