DMP and the consequences

sparks_2023

stu12345_2 said:

Rob5342 said:

Ther aren't any rules, just pay the £100 to your creditors yourself each month if that's all you can afford.

PRA couldn't produce the CCA on one.of my debts. They write to me every two weeks and phone every two days but their letters all say the debts are unenforceable.

but I can afford £350 .but if I want to save up for a half decent replacement car within 12 months.i can only pay £100 and that is my concern. not paying the full amount I should really be paying 
the only way of doing this is refusing an income and expenditure sheet to everyone.
but if creditors get nasty and do ccj I don't see any ccj that will allow saving up £4000 in 12 months for replacement car 
I think ccjs expect you to drive a car that needs to be scrapped.

plus I read a horror story on legal beagles about a CCA request to PRA and they never replied.excrpt for taking the person to court and producing a 100% complete CCA and charging court fees etc to the person.
basically they jumped the CCA request. to their own end game.i think that is how the story went or I got a little confused.

but anyway my main part of my reply is I was wrong to sell my newer car on HP..it leaves me with an old banger and no proper way of being allowed to save £250 to £300 a month in savings on any DMP that ever existed for another decent fairly modern reliable car ,as fast as I can without going into debt( which I can't or don't want)

If it were me I really wouldn't worry about any income and expenditure form. Hide the amount you want to save on a car in amongst other things - with a good chunk of it logged under vehicle expenses. They won't be able to check and you are in charge of whether you send them your bank statements at the end of the day. Anything not on your credit report is pretty much "on trust". You pay them what you can afford anyway, any "income and expenditure" just ticks boxes at their end.