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Unenforcable Debt?
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I have 5 defaulted accounts and a DMP with payplan. Is it worth me doing a CCA as all were opened pre 2005, some in the mid 90's. I am looking at doing a F+F soon as I may have 20% of my total debt available. IF any of these debts are unenforcable, will they be likely to accept less in settlement? Most of the debts have been sold on to Cabot, Apex etc.
Also, if they are not enforcable, is it wise to move to £1 a month token payment? Then offer a low settlement in a few months? I defaulted 2 years ago on them and am hoping to have them settled within the next 4 years.0
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