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Debt that has never been acknowledged - need advice
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Acknowledgement must be signed by you in writing for it to reset the 6 years clock for being sttatute barred. Phone calls do not count. Neither does the creditor writing to you. They can do that every day if they like, but has no effect whatsoever.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0
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