I can't help you with whether the missing paperwork will be an issue, but... Direct Auto Finance. Registered Office: No. 1, Godwin Street, Bradford, West Yorkshire. BD1 2SU Last known principle place of business: Springfield House, Springfield Road, Horsham, West Sussex. RH12 2RG steve.plowman@directautofinance.net although I'm not sure how current that is as directautofinance.net doesn't appear to be an active domain, although it is registered. It's actually registered to Provident Financial PLC at the same address of No. 1, Godwin Street, Bradford, West Yorkshire. BD1 2SU That may give you a place to start looking.

yes yes that will tell us which wicket we're batting from. then we'll deal with what needs to be done. we don't see many NI claims but its almost the same as a E&W claimform in terms of dealing with it sit on her and your hands don't do anything without asking here 1st please.

Complete a simple Income and expenditure for yourself and see what your disposable income is after...they may want you to complete theirs before accepting your offer. " The letter talks about getting a Warrant of control without further reference to myself " Not got that far yet...hopefully your offer will be accepted and negate the above. Andy

don't sweat about the warrant its just a threat there is NO right of entry on consumer debt so they cant just barge in it would simply be a court bailiff not on commission unlike what you see on tv.

do you have any details on the WDA account as in when was the last payment to it etc? if you don't have it, phone WDA to find out as it may be stat barred before they applied for the CCJ