I get them as well Have a screen shot but no upload available

Jesus I have just read his profile and if that is award winning compliance god help us all What a bunch of wasters he has worked for JB debt recovery Mucky Hall MRS Motormouth If I have to contact them again I will be writing to him, shame i don't have his email address, saves on postage...wonder if it's Rob or Robert@

Ok fair point but as I said I got read receipts and replies so I have a nice little paper trail

Maybe not but I got read receipts from neil Petty , all ammunition

Well they replied to me so maybe I was just lucky

Not entirely pointless as MMF had refused to acknowledge my complaint but have now done so with a final response. This gives me more ammunition to use when sending the the Fos who are not always the brightest bunch of people (from personal experience). It also very quickly shut them up

Well in the case i know about they said that they were going to reiterate to MMF that they should be absolutely clear in what they say (they had said that they may apply for a CCJ and WHEN it was granted they would blah blah blah) They also fluffed around the issue of doorstepsbut did say they wouldn't turn up without an appointment even after MMF had said they could turn up when they liked

I can think of a few ways you could say it but I am not sure the site filters will let me type it lol you can always email it to barry@mmile.com (barry Ellershaw) neil@mmile.com(neil petty) as well as post it. I would email the CSA as well and bang in an email to the OFT fitness to hold a licence (won't do any good by itself as I am sure you know but.....) From what i have seen there are good(as a dca can be) inept (such as Westcot ) and down right crap and unfit who ignore all regulations and guidance such as MMF

Thanks Ceri , it was more of a rhetorical question ...i.e isn't it to do with Defaults and nothing to do with loan+1months interest Nothing makes a debtor (how i hate that word) look more foolish than quoting inaccurate regulations. It's a bit like saying that an agreement dated 2010 is UE due to S127(3) as that had been long repealed at that time

Send a complaint to the CSA daniel.spenceley@csa-uk.com. They are a bunch of wasters and have been reported to the OFT Oh BTW they will try to tell you that the law pertaining to stealing your doorstep doesn't apply to them

Of course no one has asked the OP if he can afford to pay the debts. There is a big difference between can't and won't. Can you afford to pay them or are you trying to "avoid" them, it does seem that everyone has given you help based on the avoidance tactic

That's true although you might need to fight them off , for example by sending a CCA request at the appropriate point. Even if you start paying again after the 5 years it would still be SB

Lee They may "think " you owe them the money but you are giving them too much credit if you think they can "think". What you need to do and is default on the loan then offer the repayment plan. They will probably not agree but start making the payments. If they try to roll over the loan they will not have a leg to stand on. Why not PM renegadeimp and ask him to visit this thread

I have dealt with them once a while ago. Just remember that carter forbes are cash genie in disguise (but not a very good one. I would be sending a telephone harassment letter and a door step letter (both in the library) Then make a suitable offer of say 10 per month if you can afford that but after you have paid loan+interest then stop. (pay by faster payments or DD) The other alternative is to say get stuffed send the letters and just keep offering them £1 per month

So they say it was sold to MMF, have you had a NOA? If you do how was it sent? MMF are in breach or soon will be of your CCA request Have quid 24 sent you a default notice...probably not by my guess

This gets more complicated by the minute with legal points being put across in a style that not everyone who is interested will understand It was a good point to state that the DN is not related to the recording of a default as not everyone will know that.

I do not see where the poster has said he actually stopped paying, maybe he just didn't make sufficient payments.

With apologies to another site where I have stolen this quote

# If I understand all this, the poster is going to wait 18 months until his default falls off his CRA and stop payments. So it would be 6 years from then that he could no longer be taken to court because that would be when he first broke the arrangement? I think I need a lawyer I have to assume that Brigadier2jcs is not a lawyer really!!

DOH sorry I was being thick. If you saw the letters he sent me you would be wetting yourself

"bot" ?

These lovely people tried to tell me that this does not apply to them. I have complained to the CSA and that idiot barry ellershaw has written back to me. Brigadier I have also reported them to the OFT as unfit to hold a licence, if you want any of the letters let me know

That is one of my reasons for not trusting the likes of CCCS or payplan. However I fully agree that at the time it can be the biggest elief to have someone take the pressure. If you do not get a satisfactory response to your email I would take it to the Fos and do not take no for an answer. It is clearly in the OFT guidelines on debt collection that they should treat you fairly and they clearly haven't. OFT664 (rev) I think. Does anyone have a link for it?

Certainly do not ring them at this point. You could give national Debt line and discuss your options.I think they are very professional. If you do decide for a DMP then I wouldn't touch a fee paying one that you see advertised. Your priority commitments come first, housing, heating, council tax, water, food etc

I suspect that the second set of documents were a varied set of T&Cs at a later date however maybe if you look closely at them it may say something like terms at default or current terms