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Help with old debt
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Just been looking on national debt helpline website and it says something about ccj .
How.do in find out if one had been obtained against this debt0 -
You could check the registry trust, but again, should they claim there is one then the onus is on the collector to tell you and provide details in reply to the statute barred letter.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 -
thank you fermi
i will send letter tomorrow fingers crossed will keep u posted0 -
Welsh_and_broke wrote: »thank you fermi
i will send letter tomorrow fingers crossed will keep u posted
Just keep in mind that its not unheard of for an unscrupulous DCA to "invent" a phantom payment in an attempt to deceive you into thinking an account is not SB.
Remember, anything they tell you, they must be able to back up with hard evidence, the onus is on them to prove its not SB, not on you to prove it is.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Spoken to a lovely man from National Debtline, Have sent of letters to cabot.
Last night was the first time since having the letters I slept.
Kyle was very supportive and non judgmental about my state of debt and said that if its not statue barr then we will tackle possible writing the debts off.
Just wanted to say a huge thank you to all for all your advise very much appreciate it0 -
Welsh_and_broke wrote: »Spoken to a lovely man from National Debtline, Have sent of letters to cabot.
Last night was the first time since having the letters I slept.
Kyle was very supportive and non judgmental about my state of debt and said that if its not statue barr then we will tackle possible writing the debts off.
Just wanted to say a huge thank you to all for all your advise very much appreciate it
No problem, keep us updated with your progress.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Fermi isn't there something in the code of conduct about not pursuing vulnerable people? If the debts are not statute barred (which sounds like they are), then perhaps that is another option for the OP to pursue. But I dont know enough about it
chevI want a job that is less than an hour driving away from my house! Are you listening universe?
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