Scotland - I know there are some differences when compared with England around statute barred, there may be others I'm not aware of so hopefully someone else is keeping and eye and will correct anything that is said. I've plans this evening with the fam, so this may be rushed and I might miss something. Given you have so many accounts in different stages, it will be difficult to dig into each individually but the same will apply for all and we will get there Priority debts are essentially anything that keeps a roof over your head. Anything consumer credit (CC, loan, store cards etc) are NOT priority debts. Yes, that's what I meant, but really I just mean you will have choices with some saved in the bank. It makes sense on smaller accounts that you offer F&F to clear them IF they aren't already defaulted as it will just lower the amount of communications you will start getting - BUT defaulted debts will show on your credit record and affect you whether you pay them off or not, 6 years from the default, then they will disappear (could be 5 in Scotland, not sure) You're quite correct that the older the debt, the more likely the paperwork is missing, but some of mine were very new (2020/21 also) and they couldn't provide the documentation.. Lets start here: - lower the pro rata on all to £1 (don't provide any income & expenditure info) - CCA Request to each company that has bought the debt from OC (the last letter from OC will state they've been sold to xxxx) - get access to credit file - Forget your morals, they have none For those debts already showing in default on your credit file and have been sold, you can stop paying entirely until you receive a complete CCA from them I'll be back later BT

Hello Yorky, If you earn less than the taxable allowance then correct, no tax will be taken. Edited: to remove my questioning due to info being spread across 2 threads - I'll await thread merge to help where I can. Ooooh wait, does this tie in with the other thread you created? your other thread makes more sense now! An admin will likely be along shortly to combine them, perhaps then it will be easier to help you.

Hi Stuckfast and welcome to CAG Great job starting to self-manage your debts and listing them out here, you seem proactive and that's a great trait to have when it comes to debts. You don't mention your partner's income so maybe there is some flexibility there to maintain pro rata payments? Personally, looking at your list vs income I would consider dropping all of them to £1 per month as per the pro rata process and stating you are having further financial difficulties. The reason I would do this is you are unlikely to clear any of them as it stands and there's little difference in £5-£1 from the creditors point of view, whereas due to the amount of accounts, that's alot of ££'s for you when multiplied. This can be saved initially with a view to perhaps making full and final settlements on the none defaulted smaller accounts in the future but at the very least give you some breathing room for now. Then, at some point after the companies all default you, they are likely to sell the debt on, at which point you can challenge the DCA's to prove the accounts are enforceable - they are usually not due to how the Original Creditors (OC's) and Debt Collector Agencies (DCA's) carry out this process. Have a read through the debt forum for similar situations as yourself you'll soon pick up the idea. You are not alone and there's nothing to be ashamed of - you've done the right thing in reaching out here on CAG, we will help you Lastly, I disagree with Yorky and do not think you should seek advice from any company that is funded by the financial institutions, advice here is free and if you're willing to learn you can absolutely do all of this yourself. Don't use the phone - letter's only. Don't complete any income and expenditure forms You've already proven you are willing to take control, continue! BT

Yeh you're right and this is solely what they rely upon - fear. Just like the TV programming has you programmed to believe. DCA's are not bailiffs, another lie pushed out there to keep this industry going, have a read of dx's signature They can, and do, progress to CCJ's BUT only if not defended.

Good point, I should have asked for clarification. The post suggested but wasn't specific - noted.

Yes! then sit back and relax for a month awaiting their reply. That paperwork (assuming that's everything they sent as you say) is not enforceable, it's missing key elements that would prove authenticity and is likely a cobbled together reconstruction from stuff they found in the trash hoping you except it and pay them.. this should be unlawful, but hey that's what they do! The reason dx was asking for unredacted is so we are able to tailor the advice more effectively, that's all.

No need to apologise, simple misunderstanding. I hope you find the information you need, if you don't find what you need, then type out your story in this thread and CAG will help you

Wait what?? I said it's great that you are self-helping! not many people search the forums for answers but rather open a thread and expect all answers to come to them, you're not doing that, which is called 'self-helping' and I think that's great! Plus smiling faces and me wishing you the best of luck..

Great, self-helping! Best of luck

I couldn't find anything I would consider recent either.. Why are you looking for them? do you need help? if so, let's hear it!

1 - Yes 2 - Ok Then But just to be clear, ignore everything BUT a letter of claim Good luck

Hi, 'recent swift'? how recent are you talking about please? Have you used the forum search function? BT

Hi Gerrard, In order to help you with this it will be necessary to provide more information. Don't worry about compromising your situation, you won't need to provide any identifiable information. Additionally, you seem to be stating you already have a CCJ on record and yet this didn't affect your employment? Attachment of Earning, to my knowledge, can only be applied for with certain Governmental debts, such as DWP. Please list all debts, who they are with, type of debt, when they were taken out, when they were sold to DCA's and the current status of each Also confirm if you have moved address since taking any of these out and whether you updated the creditors BT

Hey Ads, This will be statute barred, follow this: BT

Well I wasn't too far off!! me thinks I'm learning haha Thanks for returning dx and confirming it all in one post. Sardon - do it! I'm not sure I've ever seen dx write so many words to someone

No - because that's the reason these parasites are in business, not because they have a legitimate business, but because people roll over and pay them.. If this was an enforceable debt, why do you think Vanquis sold it? don't give in now to DCA's with no power to enforce make them prove it first! I would bet my house they can't produce enforceable paperwork. SAR to vanquis, don't google it, just click this: SAR -------------------- PS. sounds to me now that you are aware you had a credit card and this has pushed you to think you're going to lose in the long run... am I right?

Yeh I have seen the comments about that, just strange that they send letters like they do. I suspect NCO are Arrows in-house DCA - I think dx would say same office just a few desks closer to the toilet

Yes they've just simply rebutted your claim to it, I believe this is because you requested it from NCO, not Arrow.. NCO are simply acting on behalf of Arrow so they are quite right and accurate in their claim that they haven't purchased the debt. Anyway let's forget the Deed of Assignment.. or whatever you call it because you have no legal right to see it anyway Have you got a SAR running to Vanquis yet? that's your next step here

Yes I read the whole thread, which is why I said this should be good for you! I don't know everything, just trying to help and I'm sure others will correct any glaring mistakes in my comments

That section you redacted with your name doesn't look authentic to me.. perhaps a reconstruction? it just looks out of place with formatting etc..

FMOTL - Free man on the land, referred to affectionately by dx as twaddle dx - there was a letter in the bundle requesting Deed of assignment..

Hey Sardon, dx will return to pick those papers apart But it's rare I get here first that bundle you've uploaded appears to be missing the Default Notice (should come from OC at some point before they sell) - so that's good for you Is that T&C's document signed by you? doesn't look original to me.. But let's wait for the experienced peeps to arrive, it is the weekend so responses could be delayed

Neither of you can realistically 'keep' unless one can buy the other out.. Is she wiling to buy you out? I don't think you answered that yet.. if so, and you definitely cannot her, then really (morally not legally) you should just get on with it and move on?

Not sure why I'm still here actually but I'll try one more time: You didn't even know if you were obliged regarding DD - you had to ask if you were! you were told you were not, in fact FAR from it.. DX = 16 years vet, 155k posts, unpaid volunteer with experience in this topic and nothing to gain from advising you DCA's = famous for coercing, lying and stealing with everything to gain from you Cancelling the DD and awaiting correspondence = zero risk Not cancelling the DD and hoping they don't money grab = Some risk, not zero! So you'll 'prove they are wrong' with your 'robust evidence' - may I ask who you plan to show this evidence to in order to prove they are wrong? because they won't care what you have to say, you know that right? CAG advice is free Cancelling the DD is free Litigation is not free I hope all this will turn out to be unneeded I do, but I thought it worth me typing a few more words so hopefully you'll ask yourself why you want to take any unnecessary risk..

I respect your conviction - keep us posted please! BT