ok lets bring up a phrase, fools rush in ....with reams of info in long posts as an initial response without asking basic questions first and overwhelm the OP with info that might not actually be correct across all their debts...
i can see from the q's in your last post that this might apply....
regardless to where a debtor lives NOW, if the credit was taken out whilst resident in E&W, E&W SB rules apply, moving to scotland does NOT change the SB rules to the Scottish system whereby a debt is EXTINQUISHED dead gone parrot after 5yrs of no payment.
you cannot send an SB letter if you have paid within the relevant SB period. you have ack'd the debt by paying, UNLESS there was already an SB period that existed before you started repaying a debt because someone told you too.
the rock and a hard place is the fact whatever you do, credit is fruked for 6yrs, until credit files show no registered defaulted debts.
i'm must also pointout if a debt already shows a registered defaulted date on Credit files , you should keep paying what you say/move to £1PCM, don't stop.
if a debt does NOT show a defaulted date in its summary, then STOP paying till you get a default notice from the creditor, then once its registered, resume you payment/move to £1PCM.
so the question that exists is...were any of YOU or your partners debts open whilst registered in E&W?
dx