Can someone point me in the right direction?

[debtfred]

Ok im new to this forum as of today and im struggling to find my way around, not only that im not really sure what im looking for exactly so here is some background to give some idea what im after.

 

I live just outside London and have unsecured debts of around £50/£60k from a few loans, about 15 credit cards, 1 store card and a couple of catalogues. These are all from about 10 years ago and i have not been paying any of them for at least 3 years now. I have just been ignoring any letters and phone calls simply as i cannot deal with them anymore. When times are hard i cant deal with it and mostly dont respond due to being so depressed about the situation. Although for some reason i only get threats of bailifs and CCJ's but nothing ever happens, i just keep getting more letters and phone calls!

 

I am still in the same position as before in that i have very little money, living purely on benefits now, i have taken so called advice from the CCCS and also CAB but the only real help was that someone told me i should bankrupt myself although they said it wasnt what they could formerly reccomend as i should really do the right thing and pay the debts back.

 

Anyway i was also told by a friend that my debts may well be unenforceable and gave me the phone number for some company, i called them etc and to cut a long story short they told me that most of my debts are unenforceable although they couldnt give me any more info until i paid them, but when i looked into how much money they wanted, it turns out that there wasnt much to be saved! A big con i think although im really unsure if what they were telling me was true?

 

I just cant trust anything i have been told and even when i called various solicitors i was told lies, basically 1 solicitor told me these are all [problem] companies and to steer clear, the next told me i should go for it as it was a recognised loophole, then the next told me there is no way out and that the only way to clear the debts i have acrued is to pay up? Im so confused i have no idea who is telling me the truth!

 

 

Im sure there is something i should be doing but really dont know what, this forum seems very good but so much info that i dont know what i should be reading, any help will be very much appreciated!!!

[debtfred]

Also just to add to this, today i got a call from one of the companies that have taken on my barclaycard debt and they told me that there is a new goverment scheme that enables me to lose up to half of my current debt??? I didnt get to finish the call as was on mobile and lost service, they didnt call back and i have no credit to call them, is this real? Anyone know what is involved in this so called scheme? And why the hell would a company i owe money to be telling me this?

 

Anyone willing to offer me any help?

[dx100uk]

no its not real its a [problem] they all are!

 

now, you say you've ducked everything for xx yrs, if you were able to do this for 6, then they'ed all be statute barred.

 

now, so have a think...when were the last payments you made.

 

it might well be an idea to seek out some of the charitable debt management orgs.

 

CCCS & payplan are good.

 

but DON'T be tempted by these fleecers..

 

dx