Hi Chris, here are my thoughts in red, as I feel there is more that could be added. See what you think.

Foolmum,,CALM DOWN HUNNY,,SERIOUSLY..They are NOT going to hang you,take your child away,cart you off anywhere or any of the scenarios you are imagining in your panicked state...IT'S MONEY..and they won't be able to take what you physically do NOT have. They are more interested in a sensible payment plan than they are in making your life hell,and NOONE can tell you what they will or won't fine you....I've been there,,done that,,and it took longer for me to get my sanity back than it did to sort the repayment schedule out. Honestly hun,,stop reading other threads,,not one is relevant to your individual case. Now,,get a cup of tea,,and try to relax,,,it's not going to ruin your life unless you let it and you don't want to do that now do you??

The CCJ will come ''off'' after 6 years, but a claimant ''could'' apply to restart the case, leave is rarely given by the court. Yes a statute barred debt can still appear on a credit file if there is still time running on a default, it will be removed on the 6th anniversary of the default.. Equifax and Experian credit ref agencies have 30 day free trials Noddle (CallCredit) is free but not always reiable. Be careful if you have debts that are not on the files and could be statute barred, ''he debt still exists and is collectable until the debtor informs the creditor/DCA in writting that the debt is statute barred and they will not be paying'' (source OFT Guidance on Debt Collection 2003/2012)

A debt should drop off your file six years from when a default was registered. A SB debt should not appear on your credit file. A CCJ never becomes SB in itself, however if they do not enforce it within six years their right to do so does and they would need to apply to the court for permission to do so & this is rarely if ever given. Equifax, Experian and Call Credi are the three main CRAs; Equifax Plc Credit File Advice Centre PO Box 1140 Bradford BD1 5US http://www.equifax.co.uk Experian Ltd Customer Support Centre PO Box 8000 Nottingham NG80 7WF 0844 481 8000 http://www.experian.co.uk Call Credit Plc Consumer Services Team PO Box 491 Leeds LS3 1WZ 0870 060 1414 http://www.callcredit.co.uk

It seems to me that the finance co have NOT financed the car due to the descrepancy in the agreement. So the dealer has not been paid thus the car belongs to the dealer. So at some point, the dealer will want the car back and is no doubt taking legal advice as we 'speak' to achieve that. Now the 'deal' itself is quite obviously not right. As for a guarantor agreement, as someone as already pointed out, the agreement would have to be in the OP's name for his Mother to be the guarantor on the inception of the agreement being made. Question begs is why the OP did not let Mother do the deal in full and then simply be the main driver of the car? Bottom line is that the car was financed in the Mother's name (quite why that was done in her absence is bizarre and the fault of the dealer IMO) and as such would need to be registered in her name as well as the direct debit payments. As far as the finance co is concerned, the agreement was 'breached' as their client transferred THEIR car to a third party; the OP. So under their T & C's, they have exercised their right to terminate the agreement BEFORE paying the dealer. So where does that leave the OP? Well he is in the possession of a car which does not belong to him technically and despite the 'errors' of the dealer, sooner or later the car will have to be handed back or I can see legal action being taken. The OP says that he will maintain the payments on the car but he has no agreement in place with the dealer to accept that and no doubt never will. Having given this some thought, I have to say that I am surprised that the OP thought that obtaining finance this way was legitimate. OK, the dealer (or his employer) may have 'assisted' in the wrong doing BUT it will not alter the fact that the car remains unpaid for. The other thing that the OP should consider is the fact that the car will have lost value and will no longer be worth the manufacturer's retail price thus incurring the dealer with additional losses of which i'm sure the dealer will be keen to re-coup. I think the OP is looking at some very stormy waters indeed unless he either obtains finance for the car (which I doubt that he will) or hands the car back or comes to an agreement with the dealer (which I think is highly unlikely). OP needs SPECIALIST face to face advice here. Please Note The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only. I would always urge to seek face to face professional advice for clarification prior to taking any action. Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

hi am so glad you went to the docs , must have been a big help. You must start trying to relax, and get this thing about being fined out of your head, i had no proof about living arrangements, only a hand written letter from landlord and that was not good enough, they looked back 2 years on me and i was not fined so i doubt if you will,as someone said earlier everyones case is different. Once you have your claim sorted and know what you have to repay, you will feel alot better. you will get there. xx

Sounds like you are best out of there Laughing Girl but still don't let them get away with it. To make a nett payment in advance of a payrun, they normally deduct 33% to make sure that they have covered all deductions for when the payrun happens. If you are calculating your wages, divide the payment they made by two and then times by three, that should give you the approximate gross. Then divide the gross by the hours worked (bearing in mind they may have a 'cut-off' date for extra hours). There is a chance that they do not calculate payment outside of a pay run in this way, but most employers do. Hope that helps.

Foolmum, I've explained it to you re arrangements to pay! my advice is to stop reading these forums now until you hear back from them x Its making you worse xxx

Hello and welcome to CAG. I'm sure people will be along with advice for you on the DMP. You say your employer is threatening you, is that to do with debt matters or not? You might want to start a separate thread in the employment forum on employment aspects, but they won't advise you on debt. Let me know if you have problems finding the other forum. My best, HB

You have a strict time line to adhere to on receipt of a claim form. issue date + 5 days for service + 14 days to acknowledge + 14 days to submit a defence. If you can let us know the issue date - top right hand corner of the claim form then we give you the exact dates. You need to send a CPR31.14 to the solicitor for documents mentioned on the claim form. So you need to also let us know exactly what it states the claim is for.

Hello again LG. Thank you for starting the new thread and I hope the guys will be able to help you. In case people don't have time to read the benefits thread, Laughing Girl was more or less told to take this job by Jobcentre plus [don't ask...], which has made things difficult for her. HB