I have two old outstanding debts - £7000 loan and a £1000 overdraft.
A bit of background:
My long term partner walked out in 2009, leaving me with all our joint debts and paying the mortgage.
I continued making loan repayments for a while before stopping as I was not able to afford them.
They eventually ended up with a debt collection agency.
Having a few major life crises in the intervening years meant that I buried my head in the sand and ignored everything.
I am currently trying to sort out a debt management plan with more recent debt on a limited budget.
The person I spoke to said I should be including these two old debts. However, they are not showing on my credit report with noddle, clearscore or experian.
There are also no ccj's listed, although I suppose there is a possibility that there could be old ones in existence.
I was told these debts would not be classed as statute barred as the dca have been writing to me regularly and I have been at the same address for a long time.
After finding and opening some old post I have found letters from dca going back to 2011.
There have been no payments towards the debt or acknowledgement from me since 2010/2011.
Where do I stand?
Advice would be much appreciated.