Credit Card debt write off

BugsyBrowne

Yeah what these debt people don't mention when agreeing when writing your debts off is the obvious fact that your credit report might aswell go to the firing squad, trashed is not the word for it.

fermi

Klsmith141 wrote: »

I took out a credit card about 8 years ago now and was young. I was in work and only had about £300 on it. I was paying the minimum payments, which now I'm older, realise this wasn't doing much, only clearing the interest mainly. I was then out of work due to ill health and then claimed jsa for a few months. I had called my credit card company and informed them of everything and asked if they could freeze my interest for a little while just until I was better and got a job. They said no, and continued to put the interest plus late payment charges on my account even though I had told them I wasn't earning only on jsa which the government stated at that time that jsa was not intended to pay off debts only to live on which I was doing.
Needless to say a couple of years ago the original £300 ish debt was then approximately just over £800. God knows what it is today. But my partner owns our house and has recently added me to the council tax and must have added my maiden name as well as my married name. I am divorced and go by my married name now. But this is the second time I have been registered in this country in my married name as living at an address in the space of 4 years (long story to do with being married to an American United States Air Force personnel and living in the us since opening the credit card before marriage and in my maiden name).
I am in no position to pay off this full amount so my question is this, because I have not been in contact with the debt collection agencies and haven't paid in at least 6 years ish what is the current status of the debt?

Moved to a new thread.

---> https://forums.moneysavingexpert.com/discussion/4613087

bris

Don't get your hopes, it's no longer neccesery for the bank to find the true copy, they just need to prove the T&C's of the original contract are a true reflection of the debt.

Yes a few people got of with a few quid, but the law soon stamped it out with other, similar cases creating case law on the subject.