Bear in mind it was a slightly different problem to you. The council had simply ignored the problem. The councillor sorted it out within an hour and I had an affordable amount to pay.
It's also worth you explaining that you have medical and motability certificates if necessary.
Let me know how you get on
Just a quick update on this.
I did re-send the letter(s) directly to Ferratum (also to the DCA to be certain). To date, although blocking CRS, they are still filtering through and threatening court action. Out of the blue too, I receive contact directly from Ferrtum - I've not requested anything from them. They have included a screenshot of when the loan was taken 16.04.2013 and the credit agreement.
"Further to your recent request please find attached loan agreement and details of your loan. To date we have received no payments towards this account and the outstanding balance is £336.40. Since issuing your loan the regulations have changed and there is now a cap in place to ensure a loan does not exceed double the amount borrowed, I have therefore applied a credit to your account to adjust the outstanding amount to £195.00."
£195 sounds better though 😆
Shocking pictures reveal ‘disgusting’ conditions inside Hermes depot where workers ‘feel like slaves’. Read more at https://www.consumeractiongroup.co.uk/topic/419726-shocking-pictures-reveal-%E2%80%98disgusting%E2%80%99-conditions-inside-hermes-depot-where-workers-%E2%80%98feel-like-slaves%E2%80%99/
Euro Car Parks issued this ticket to the police in Devon and Cornwall. Read more at https://www.consumeractiongroup.co.uk/topic/419522-can-anyone-identify-the-parking-company-which-issued-this-ticket-to-the-police-in-devon-and-cornwall/