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So wanna be debt free!! (old debts)
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thewappyone
Posts: 22 Forumite
Hi there
If any one could give advice it would be appreciated!
I've lived with debts all my adult life.. i started when i left school and got a job and im now 29 and have debts from back in 1997 lol
i've managed with all my debts with payments i can afford and i've never been given a CCJ ect they have just take a income and exspenditure form and they have all been ok untill recent.
the company i have problems with call serve . my credit card had changed and as a result the automatic Payment diden't go though. and the company i was paying changed and from what i can see changed to call serve and then the fun began..
They have threatend me with CCJ ect and i've explained about my situation (self employed and feeling the pinch) and there not happy.
I had seen some posts about debts over 6 years old and tbh im totall confused and lost, and dont know what to do now i have asked over the phone for the original consumer credit agreement under the Consumer Credit Act, 1974 and they said they carnt provide it..
Any help would be appreciated
Regards
Marc (The Wappy One)
P.s i have 5 debts in total but the others arn't being a problem and are accepting the minimum payment!
If any one could give advice it would be appreciated!
I've lived with debts all my adult life.. i started when i left school and got a job and im now 29 and have debts from back in 1997 lol
i've managed with all my debts with payments i can afford and i've never been given a CCJ ect they have just take a income and exspenditure form and they have all been ok untill recent.
the company i have problems with call serve . my credit card had changed and as a result the automatic Payment diden't go though. and the company i was paying changed and from what i can see changed to call serve and then the fun began..
They have threatend me with CCJ ect and i've explained about my situation (self employed and feeling the pinch) and there not happy.
I had seen some posts about debts over 6 years old and tbh im totall confused and lost, and dont know what to do now i have asked over the phone for the original consumer credit agreement under the Consumer Credit Act, 1974 and they said they carnt provide it..
Any help would be appreciated
Regards
Marc (The Wappy One)
P.s i have 5 debts in total but the others arn't being a problem and are accepting the minimum payment!
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Comments
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Hi
From what I've gathered, the 6yr rule applies when there has been 6yrs since the last payment or acknowledgement of the debt, not when it started. Also, i think you need to write for the cca, but there is a fee (£1 I think).
Anyhoo, welcome!, and ((HUGS))!! Other peeps who really know their stuff will come along in a bit and tell you what needs doing
SxxOh for Goodness' Sake!! Here we go again
Total debt £4,839.51 (Still adding it up though )
Now : £4, 759.810 -
Thanks sammey90
I've found the CCA request letter from National debt line.
Im gonna send off a copy recorded tomorrow and i'll keep you updated and thanks for the welcome..
Regards
Marc0 -
Well the check hasn't been cashed, i got a strange letter from Debt line so i called them and they have told me the lettor was sent in error, but while i was on the like i asked re the letter i sent to call serve and the explained they have the debt and callserve are the door step collection agency!
But the request has now been sent to the Bank and the Debt is on hold untill the 1st of April
I have 2 questions
1. should i leave it of do a follow up letter for the credit agremment chasing it?
2. should i do this to all my debts? as i now have another one (iQor) saying if i dont pay in full by the 10am on the 8th (sunday and there only open monday to sat)? it is a debt for a credit card tho.
Regards
Wappy0 -
Hi there
Its now been 14 working days since i sent the letter (recorded delivery) and nothing has happend on this end i have not had a reply, as stated in the last post they acknowledged reciving it and have forward it on to the bank but nothing has happend, i've checked the bank to see if the cheque has been taken out and it hasn't....
What sould i do now??
Regards
Wappy0 -
Hi again only me.
I can confirm both cheques have been cashed but still no contact and im well over the 14 working days for a response can i ask what does this mean because they haven't replied within the 14 working days specified?
Regards
Marc
Fingers crossed for a reply it would be much appreciated0 -
Well the seach button and lots of reading have revealed this:-
site wont let me post links even internal ones lol
hxxp://forums.moneysavingexpert.com/showthread.html?t=963087
Im gonna send the 30 day + letter and i'll keep you posted..0 -
http://forums.moneysavingexpert.com/showthread.html?t=963087thewappyone wrote: »Well the seach button and lots of reading have revealed this:-
site wont let me post links even internal ones lol
hxxp://forums.moneysavingexpert.com/showthread.html?t=963087
Im gonna send the 30 day + letter and i'll keep you posted..
I think the law has changed and the 30 day+ letter is irrelevant.BSC No 248
Free, confidential advice
National Debtline 0808 808 4000 | StepChange 0800 138 1111 | CAB - Get Advice
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Ahh first thanks for the reply
but that changes things? If the 30 day is now irrelevant would that mean the debt is still enforceable?
well I'll hold off on sending that letter then, should i just sit tight and wait for a response?
regards
Marc0 -
Bump bump bump!Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️0
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No, not taking my own advice again. Anyway, bumped for you for the next person to help you.Any help, opinions, views I may hold those are my own. Respect them as you would expect the same in return. Offered freely, is gleaned from a lifetime of experiences, knowledge gaining. Passed on to benefit others. I may be direct, ask you questions but those are to help you. Up to you if you choose to take it. I won't judge you either way.
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