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Help needed for f&f settlement with cahoot please!


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Hello, can someone give me some advice or point me to the right direction to get help. I've 9 creditors and planning to offer F&F settlement as a member of family have offered a lifeline. I've been on a DMP with Payplan since Dec 06, with the rate I am paying, it won't be till 2047 my debts will be paid off:sad:!

I have managed to post 3 of my creditors cca's so far and really am struggling to get any advice to see if they are enforceable so that I know where to start. Thanks bobo

 

http://i1011.photobucket.com/albums/af236/bobogosing17/abbey%20cahoot/cahootloancca.jpg

http://i1011.photobucket.com/albums/af236/bobogosing17/abbey%20cahoot/cahootloancca2.jpg

http://i1011.photobucket.com/albums/af236/bobogosing17/abbey%20cahoot/cahootloan1.jpg

http://i1011.photobucket.com/albums/af236/bobogosing17/abbey%20cahoot/cahootloan2.jpg

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Bobo

 

I'm not an expert on CCA' s- prescribed terms etc. I would pm the guys suggested in another thread and alert them to your threads for their help. Have you paid many of the £30 missed payment charges? If so I think you can get these back easily on a loan (not an overdraft - yet!) What token payment deal do you have with them?

 

I got a 50% deal on an Abbeyloan via BCW (Buchanna Clark & Wells) fairly easily once they saw I might be getting dodgy with some missed payments - then agreed reduced payments etc.

 

BD

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Bobo

 

I'm not an expert on CCA' s- prescribed terms etc. I would pm the guys suggested in another thread and alert them to your threads for their help. Have you paid many of the £30 missed payment charges? If so I think you can get these back easily on a loan (not an overdraft - yet!) What token payment deal do you have with them?

 

I got a 50% deal on an Abbeyloan via BCW (Buchanna Clark & Wells) fairly easily once they saw I might be getting dodgy with some missed payments - then agreed reduced payments etc.

 

BD

 

I am paying the cahootloan £12.32 p/m through DMP with PayPlan. bobo

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I would have thought that was almost too much trouble to collect and they would bite your hand off for a 30% F&F? -Mind you I am paying £5 per month to DCA's for each of Barclaycard and Egg - while deciding what to do next (after Mold case for Egg).

 

BD

 

I've not made an offer yet as I don't know where to start. I don't know how to put it in writing and hoping to get tips from this forum.

I really hope I can get away with 20/30%.

I hope you'll get your's sorted out soon too!! bobo

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