Hello again AAD team.

I'll get the joanna connolly solicitors / colin quinn bit out of the way first:

The only way to put it absolutely outstanding. Don't hesitate to have a conversation with any of the team there. You really want these people on side when that crappy CCJ notice...

Righty ho,

So my ex partner and I consolidated our debts with payplan about 6 years ago - we've been paying off monthly amounts since then. The recent sale of our house has left a small amount of money which we were looking into making settlement offers...this lead to a conversation with...

We are looking to downsize when our debts become statute barred and just get a small mortgage of say 30.000 . Would this be possible do you think ?

please and thank you

In a DMP for last 6 years, and have default notices on credit history from 4 creditors that drop off in about 6 months. Just spoke to the DMP co. (Payplan) who stated that

"A Default Notice stays on your credit file for 6 years from the date it was issued and will make it difficult...

Hello
A couple of years ago my husband got some great advice from Niddy but i am hoping for a bit more reassurance/advice if possible please?
Our circumstances are: In about 2009 we started a DMP with Payplan. After redundancy end of 2011 we offered and settled on two of the three debts....

Hello

I have inherited £3,000.

However, if I offered a pro rata settlement to all my creditors (total outstanding circa £30K) I know that none would accept. However, the smaller creditors may do so.

My question is do I have to offer this money to all my creditors...

A couple of months ago Capital One out of the blue contacted me to say they were referring my ''account'' to CLS......I had early settled with them 4 years ago...no correspondence since.
I have complained and they have taken the account back from CLS but want the full balance....out of all the...

I have a ccj with Lewis group which is being paid through payplan , I received a letter from them today telling me they have passed the account onto Robinson Way, can a debt be passed on when it is a ccj ?

where do i get details of accounts,start date .payplan only state creditors current status.of debt.not when account started.do i have to get credit report to get this info.sorry but confused.

I wrote back telling them we don't need one as we are not paying the creditors as the debts are UE

I got another email saying , that it is a creditor requirement that an annual review be sent to them .

I wrote back saying , as there are only 2 accounts that are being paid...

Hi Max and welcome. I am sure you will find the help you need, if we can kindly ask you to check through the following links to get used to the surroundings first:-

• Forum Rules and Guidelines
• User Help Guides
• To all the Newbies

We don't bite, Help will be on its way, whatever...

Hi all, just had a quick look on my file today. I knew I had a default for an Argos card cause I have been in DM plan with Payplan for 4 years. The first late payment was back in April 2009 but they didn't default me till Nov 2011. They marked it as DM 2 payments missed for 7 months then went back to...

i have one ccj with lewis group and that along with drysdenfairfax are the only 2 creditors being paid from my payplanplus account, the ccj is £3.89 a month and the outstanding balance is £680 ,we are thinking of offering these a full and final and then dumping payplan and just paying drysdenfairfax...

This is a mobile phone account and this is the email i received from payplan .

I am contacting you today on behalf of your Personal Finance Manager.

We have been advised by Orange that your account with them, reference 1111111, has been written off. We have contacted them...

Estimated completion date*: 15/06/2177