Debt Management Plan - who to use?

[asdanemma]

Will do that Monday, I have all account numbers

Thanks, what am I looking for on these cca

[dx100uk]

they have one!!

 

if they reply

 

might be best to start a new thread for each 'debt'

 

in the forum for the named ORIGINAL CREDITOR

off the main forum tab top left

 

dx

[asdanemma]

Thanks, will do when get all the info off them if they have it. Have stopped step change

[pleasant.desire]

You can pay less than £100 to stepchange

- a dmp is not a legally binding agreement

- you pay what you can afford.

 

 

If you have a positive chance at the tribunal,

i recommend contact stepchange and ask them if you could go on token payments

 

also i read your debts are quite old,

did you have contact from all creditors constantly?

 

 

if any of your creditors haven't contacted you regarding a debt for more than 6 years it is 'Statue Barred'

now which means that the debt is outstanding but is not enforceable.

 

look into it

 

and I do understand it is difficult for you to tell your partner about this situation,

you need to let the companies know of your mental health and inform them as you are going through finanical and health issues,

 

 

they should consider stopping int and charges on your accounts as not considering to do so will detoriate your health

and teh companies will potentially be breaching FCA code

[dx100uk]

sorry I must correct you:

 

 

if any of your creditors haven't contacted you regarding a debt for more than 6 years it is 'Statue Barred'

now which means that the debt is outstanding but is not enforceable.

 

 

contact from creditors is nothing to do with statute barring

 

 

written and signed ack from the DEBTOR

or a payment made by the DEBTOR.

 

 

dx

[SabreSheep]

remember to send either recorded delivery so you can print of a copy of proof of postage AND proof of signature other end and staple both to a hard copy of each cca.

Keep a file for each debt to keep all the paperwork too.

 

Also for every debt start looking for unlawful charges and insurances. these can be reclaimed

[asdanemma]

Well do