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Hello David my name is ***** ***** I will help you with this.
For now please let me know whether you have proof of payments?
Hi Alex Payments were paid by direct debit straight from my bank , the company involved changed its name three times whilst I was with them , I never had a statement each year until this year when I requested one ,I was sent a statement as from January 2013 when I asked about previous payments I was told I would have to speak with original company but have had great difficulty contacting them by phone or email, hope this helps a little bit, David
They have ceased trading, you are sure of that?
I was told by the FCA that they had suspended them from trading in September and that they were not to take anymore money from peoples accounts , I did not know this at the time and subsequently they took another 2 payments from my account of which I have now stopped the direct debit !
OK - you need to obviously stop paying them and contact Step Change
They are a free charity that offer debt management
They can write to your creditors and confirm the original repayment plan.
Also they will ask the lenders and show proof of your payment to the old debt management plan - and therefore ask if they will write off those payments made but not received.
But Step Change can help you - they can write to the lenders.
The creditors are likely to write off any payments not received as it is not your fault.
Can I clarify anything for you about this today please?
Thanks Alex , I am now in contact with step change and in the middle of setting up a new payment plan I would like to thank you for the advice given and would advise other people to try this service , Thanks again. David