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payplan advice needed

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Hope all is well with everyone , Just one on behalf of the OH who has a payplan agreement which has been in operation for close on three years she took a year out of it with their permission when everything else went pearshaped., She is now requesting a further 2 month break to enable her to get over christmas , something which Payplan are not going to agree with . I have told her to tell PP that she is not requesting a break merely taking one . Now judging the amount of non enforceable agreements floating around im wondering should she cca all her creditors just to see who can come up with the goods , i think the bulk of the agreements will be pre 2006 , Barclaycard , Halifax loan and credit card , Cap one and Cahoot, that i know of. From memory the Cahoot agreement was in order , but i think the likelyhood of the rest being good is slim . Is it worth the punt ? What position would she be in with PP ? They insist that failure to keep up repayments may result in bankruptcy proceedings, Bankruptcy proceedings i imagine would require agreements . Any one have any ideas of what could or might happen if even half of the creditors cant produce the goods? Could she reduce what she is paying PP on the grounds that half dont have enforceable agreements? A lot of question marks here i know , but any thoughts or experiences would be a help.

Edited by theshuffler

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Hi theshuffler

Welcome to The Consumer Action Group.



I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.


Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.



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It can be bit confusing at first.

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Thread moved to General Debt Issues

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