avoiding catalogue chaos 2 August 2012 the latest issue of Disability magazine features the ombudsman's money tips on avoiding problems with catalogue credit

Hi, we've been browsing this site for a while now and the info and support on here is amazing so we decided to sign up as we are going through some changes with our debts and could really use some advice.... We have had a DMP through CCCS for 2 years now and having seen the levels of advice and info on here decided we would prefer to go it alone (They are paid by the banks so there's some part of me saying they must act in their best interests not ours) We have cancelled our DMP with CCCS and are now in the process of contacting all the creditors (11) to advise we will be managing ourselves. This is a scary moment as I like the comfort of CCCS but as we are in a much better place than when we started it makes sense to go it alone! We have successfully claimed back PPi from LLoyds earlier in the year and have a couple of other claims on going. However my 2 biggest questions at the moment are : When a creditor doesn't accept your original claim that the ppi was mis-sold what is the best way to proceed - my claim is that I didn't think I would be approved for the card if I didn't have the cover - does anyone have a good template letter to respond with?? Also following what others have done on the forum we have offered full and finals against at 10% (cheeky but we thought we'd chance it - all rejected) and requested 4 CCA's from DCA's that have debts transferred from original creditors -- This is where panic begins to set in - where do we go from here Any advice very gratefully received..

How we decide whether to tell a business to pay compensation to a consumer for “loss of use”. In this context, the term “loss of use” refers to circumstances where the consumer has been unable to use their motor vehicle because their insurer: incorrectly refused to settle a claim; “avoided” the policy (treated it as though it never existed) in error; or took too long to settle a claim (for example, the insurer took too long to carry out repairs agreed with the consumer). http://www.financial-ombudsman.org.uk/publications/technical_notes/loss-of-use-mv.html