Thanks to everyone for your help and advice, and sorry it took me so long to say thanks. Yes Mackenzie hall to have the deed of assignment to chase me for the debt, but I will definitley take sillgirls route of action. While I do not deny I owe the money, I do resent the threatening nature of MH's letter , and as such I am in a really fighting mood with them. Ill keep you all informed. lol

Hi All A friend of mine had a accident in 2008 and the claim is currently being processed. They then when bankrupt approx 2009-10 . Is any potential pay out, likely to go towards their bankruptcy ? or are they safe because of the 12 month discharge? Any help would be grately received. Thanks Matt

Hi Feebee, thanks for your reply. So if I may ask, so the original defaults that have been registered on my credit file, to say i am behind in my payments- do they need to notify me in advance? and does that stay on my credit file for 6 years?, the company in question bought the debt on the 3rd of march and sent me a letter on the 12th saying that the default has now been registered with the cra !! can they just do that? Thanks again for your advice. Matt

Hi All .Im sorry if this is a bit long winded.I borrowed £150 back in May 2011. I spoke to a reprehensive of QQ who told me that I could extended the loan for a month for a fee of £44. As I could not pay off the full amount, this seemed like the only option. I did this a further 3 times until I eventually telephoned them, and asked them how I could go about paying the original loan off in instalments instead of extending the loan as I was having difficultly paying this off, and further credit was not helping me !! QQ response was to just not pay the extension loan back on the day it was due, as they could then negotiate a repayment plan. Which I then did ( only to result in a default being logged on my credit report. WHICH I WAS NOT INFORMED COULD HAPPENI then contacted QQ to arrange a repayment scheme and offered them around £30 p/m until it was paid off, they point blank refused and said they will only except a min of £55 p/m. As I could not afford this, the conversation ended by them putting the phone down and them calling me back an hour later to discuss them same thing. This continued between 6-8 times a day for nearly month, it resulted in me telling them that I would contact the police for harassment, while I was nearly in tears. In the end I agreed to pay back the £55 p/m just to stop the constant harassment, as I work nights. This resulted in me unable to pay the first instalment as I already said I could not afford it. I now have a default on my account. My account was then sold on to Mackenzie hall ( YES THEM) on the 3rd of March. They sent me a very agressive letter dated the 12th March 2012, Saying DEFAULT ON FIXED_ SUM LOAN AGREEMENT. in the letter it has the usual threats, it also says that my default has now been registered with callcredit .My questions are - can they just do that? i.e record another default for the same debt?should they notify me before they register a default ?Please help and thanks in advanceMatt

Hi All My wife failed to pay her car insurance in December with the Post office, they subsequently canceled the policy, and set up a new policy, but are charging her £245 for the remaining balance of the policy. This £245 has not been used for future cover on the policy. Is this right? Can they do this. Its seems a bit strange, that if for example your are 6 months into your policy and you miss 1 payment, they can cancel your policy, charge you the remainding 6 months. but the remainding 6 monts they expect you to pay, will not go towards covering you, just into there back pockets. Any advice would be greatly appreciated.

Hi Bunto Do a search for Agency workers regulation 2011 and have a look and the guidelines. I think that it will state in your contract wether or not they intend to pay you between assignments. From what I understand that is usually put into your contract to get out of paying the extra entitlemnets such as higher pay, shift allowence and is usually in permanent agency workers contracts, I think it is called " The swedish derogation contract" Try giving ACAS a ring as they wrote the AWR and will give you free advice. Regards Matt

Thanks Casper1963 for the link , very helpful. And that postggj chap is very helpful. I think ill use that same template if everyone agrees. My deposit was also used for the insurance and not taken off of the car. so ill give that ago. Thanks again everybody

Thanks guys for your help and advice, I just had to make a dash to the post office to stop the letter I sent, spose that will teach me for being gready !! If I post a draft of the letter i now intend to sent could you guys please have a look over it? Thanks Matt

Hi All.I know there are already loads of forums on here for help with yes car credit, but wondered if anyone on here could be more specific for my individual case.My gf and i bought a car from yes in 2003 and after making several payment, we managed to full behind and the car was later repossessed against my will.My agreement too also states that the £400 deposit was used to pay off some the insurance premium.I have now been dealing with Hillsdens securities ltd and making regular payments to try and pay off the remaining £5000 ish balance.I have seen the letter posted on here, regarding the agreement being worthless,and asking them to close the account. But I was wondering if I could claim back the money I have paid them for PPI payments? and also as the debt is unenforcible can I claim back any of the money that I have paid to Hillsdens since they bought the account?Any help would be greatly appreciated.ThanksMatt

Hi Everyone I have had similar dealings with this company, and I wondered if anyone could help? Right ok I had a car on finance with yes car credit, which was reposessed about a month before i was half way through the credit agreement. The debt was then passed on to direct legal & collections. I offered them £30 pm which was accepted and i have been paying that for the last couple of years!. At some point going back i was told that the debt had been bought by another company ( think it was Hillesden securities) but dont quote me !!. And today i received a letter from aplins solicitors stating that they have been instructed by dl&c on behalf of hillesden securites to take necessary steps to recover the outstanding balance of £ 5,276.10 . and i have 7 days to contact them. Please help me. thanks in advance.