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    • First of all you should understand that there will be nobody around who will be interested in this mess which you have managed to get yourself into. Citizens advice, trading standards, the police – none of them will be able to give you any practical advice even if you can contact them and attract their attention. It's either not what they do or they don't have the resources. You say that you were "forced" to pay by credit card – but of course this is not true. They simply refuse to accept any other form payment and you went along with it because you wanted the vehicle. You could have refused and have gone elsewhere and then you wouldn't have this problem. The problem here is that although you know of a trading name – you have no idea who apparently owns the business. The only name you seem to have a somebody called Amir – which is simply an Asian first name. You have no address other than the trading address of the business and we don't know if it is a well established firm or if they have assets there. You could certainly see them simply on their trading name – and if that's what you want to do then we will help you. I have no doubt that on the basis of what you say that you will win your judgement easily. They may even not respond to the claim and you would get a default judgement. However, getting the judgement is only the first part of the problem a much bigger difficulty – especially with used car dealers – is enforcing the judgement. It's easy for them to change their name and to say that they are simply another firm, or to say that any cars on their forecourt belong to somebody else blah blah blah. At the end of it all, you have a duff car, a bill for court fees, a meaningless court judgement and a bill for enforcement. The only thing you would have gained will be a valuable lesson for the future but it's rather a hard knock and I'm very sorry about it. We are happy to help you start an action. It's no problem but I have to be very pessimistic about the eventual outcome – that you would have a successful enforcement and you will get your money back. Have you had a quote for the repair of the vehicle?
    • Thanks for replying. We rent a large plot consisting of the house and outbuilding with a fence surrounding a really large outside space front and back. There's plenty of room for many more than 4 cars, in fact, we bought a 16ft swimming pool which is at the back of the house but, as I explained, one of the cars is being returned to Motability this week and one of the cars belongs to a visitor who stays a few days each week so really there are only two cars here all the time.   It's essential, in the countryside where there is no public transport, for my daughter to have a car to get to work etc and for my son in law to get to his work. My granddaughter is 16 now and as soon as she passes her driving test, (she can take it now as she is disabled) she will have another Motability car, again essential for her independence and if she gets a job.   There was no specific mention of how many vehicles we could have when we signed the lease.
    • We purchased a Candy hob in September 2021 and it was purchased early as we were concerned about possible stock issues, it was installed on December 2nd 2021 when the new kitchen was fitted (a receipt can be provided to confirm this date) and this appliance started to give problems almost immediately but we struggled on with it until the intermittent fault got unbearable in that we did not know if it was going to work or not.   Upon contacting the customer service department at Curry’s I was automatically put through to Candy service and after 59 minutes on hold I had to disconnect the call as after this period of time my provider then charges me for the call so I have to start again and again and yet again to try and get through.   I have had email contact with Curry's ‘let us know’ but all I got was ‘it’s not our problem – it’s Candy’s problem’ so that was even more time wasted.   Meanwhile on Jan 8th 2022 we purchased another hob from Curry’s as we could no longer rely on the Candy one nor could we be without a cooking appliance, eventually I got through to Candy and an engineer called yesterday (Jan 24th) and he has to order four new circuit boards for this almost new Candy hob.   So if this appliance is repaired in say 14 plus days time what are we expected to do with it as we have already indicated that we have replaced it so that we would not be without a hob.   I do have all of the paperwork here to submit to the Small Claims Court as this appliance was not fit for purpose and the court would not expect me to be without a cooking appliance for any period of time.
    • Quick update on this. I finally received the statements from Overdales. I received the paperwork for the SAR from Three a while back.    Essentially, the debt is almost entirely an "involuntary cancellation fee" according to the invoice sheet Overdales sent through.   So now I guess I just wait for the next step...
    • Just, Arum, TDX Group and its parent company Equifax have been named as suppliers on the Crown Commercial Service’s (CCS) recently launched debt resolution services (DRS) frameworkView the full article
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I have been on a DMP with PAYPLAN for 3 years and as such, have 5 yrs remaining on my dmp. I have cleared around £12000 so far with £18000 remaining, however, have come across this site and and now thinking about CCA requests etc.

I have a Northern Rock credit card which was taken out in 8yrs ago, as well as a couple of loans with Lloyds TSB and also MBNA / Barclay card Credit cards.


Barring Lloyds TSB (which is 4yrs old), i have two questions:


a) will it affect my DMP if i apply for CCA's for the above

b) do i have any ground to stand on as i have a dmp in place with Payplan recognising a debt.


I can't go bankrupt because of my job so want to avoid unnessessary risks which could lead to that!


Any help appreciated


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Hi there


As the debt management plan with Payplan is informal, you are still within your rights to request for CCAs, and go down this process with your creditors to see if your debts are enforceable. However, I would strongly suggest you inform Payplan of your intention to find this out, and keep them updated, as if it turns out that a debt is not enforceable, they could remove this from your DMP, reducing the repayment period!

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thanks for that advice, i will let payplan know of my intentions and let them know the result. Are the creditors likely to make demands for instant repayment as a result? i have made repayments for 3 1/2 years without missing one in that time since entering payplan

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I dont think payplan encourage this,the way thay look at is by going through payplan you are faceing your debts and dealing with them rather than trying to get out of paying them.I am with payplan and have considered the cca route but am worried that it will just stir things up.

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I am with Payplan too and they took a lot of convincing to take MBNA off the DMP. The only reason they did was because MBNA sold it on and I just didn't give them the details of who they sold it to!

<<<If I have helped please tickle the scales;-)<<<

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Hi, thanks for the comments, these are simply considerations at present, I know there is an issue with my car agreement (welcome Finance) as i have dug out the original i was provided with and the figures just don't add up!

In relation to the other creditors, it may simply be a case of request the CCA's and then try and reclaim missold PPI and charges.

THis in itself will lower the amounts substantially!


Incidently, Black Horse sent thru an agreement they wanted me to sign refinancing over 144 months! I don't think so!!

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Hi there and well done on paying so much off!


I don't think it will affect your DMP at all, other than the fact that it might reduce the amount you owe, but Payplan are perhaps not the right people to ask.


I have been with Payplan for many years and nearing the end of my IVA, with only a few months to go! :D

For me, Payplan have been great, no problems at all and when I have talked to them on the phone they have given good helpful advice, however, it's worth bearing in mind that they are a business and as such are in it to make money. Therefore, when ever it would appear they could loose money, such as you wiping out a debt via CCA's, they will appear reluctant as it is not within their interest to loose their fees.

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HI AWC, thanks for your reply, well done on nearing the end of the iva! Light at the end of the tunnel! Will see what the CCA requests throw up and re-evaluate then!! Payplan been great to me too on most things, however, can be forgetful when the agreed term for payments is up! Gotta give them gentle reminders! thanks again

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