Hi All, I have spent the last few days reading thousands of posts and trying to get a grasp on things but i can't find anything similar to my dilemma. Will try and keep it brief as poss. We have a decision in principle with our BS. We went directly to them as the OH banks with them, they have the best rates and they are are by far the best fit for our needs. The DIP went through fine with the credit check as both of our credit files are spotless. The problem is i still have old debts totaling approx £30K from between 8 and 18 years ago. Yes, the large percentage of this debt goes back to 1998! I have somehow got away with minuscule payments for several years which i negotiated myself, approx £20/month in total. There are a total of 7 debts (mostly now with Cabot) with 2 of the early ones having CCJ's and the rest defaults. We now need to make an appointment to process the full application and i know one of the questions will be regarding Outstanding Debt'. Although the aforementioned old debts are no longer showing on my credit report they are of course technically still outstanding. I will have to mention them and this will obviously go against us!! I can of course not mention them but this will be dishonest and could lead to the mortgage being withdrawn after exchange (if they found out) which will mean the possible loss of a large deposit. Although no longer showing on my credit report the payments to the DCA's will show up on my bank statement. They only require to see 1 months statements so i could of course stop paying by SO/DD so i have a 'clean' month but again this is dishonest and i wouldn't chance it. Maybe they wont care about the old debts or maybe they won't notice (clutching at straws here!). The only solution i can see is to try and get low F&F settlements but i only have approximately £2-3,000 spare at the moment. If they accept i cant see any problems but the chances of all of them accepting 10% seems remote. Would welcome any thoughts from the experienced members. Many thanks. PS - I know i have been 'cashcowed' for several years and have never asked for CCA's. Unfortunately finding a way not to pay the debt wouldn't stop it being outstanding so wouldn't help my problem.

Hi all, OK, I had a job offer in writing, unconditional which I accepted and had email response confirming the fact . This is with a multi national organisation with more than 40,000 employees. In the unconditional offer it stated that the full contract would follow in 7-10 days, after chasing the full contract and being 3 days from my start date I had a call saying that they are withdrawing the offer due to other areas of the business making redundancies and not being able to take on my position due to those being made redundant needing to have other positions offered to them. As I said I have this in writing, including a confirmation back from them after the acceptance. The actual offer stated the Role, Location, Salary, Start Date (28th October), additional benefits along with attachments of the "Welcome to XXX company" and private medical benefits etc.... No conditions...... further to accepting the offer I have an email saying that the full contract has been raised and completed....then further telephone conversation's (up until yesterday) saying everything was good and contract would be with me. My understanding is that a written (un-conditional) offer that's accepted and also confirmed is a contract and that the company is liable for breach .... Anyone advise me on this ? Also this is a high paid job +£70k basic and also with a £70k+ bonus..... no notice periods were specified and .... I stopped all other negotiations with other companies including turning down another offer.. Advice please.... Cheers