CCA requests - advice please

sourcrates

I would CCA all those relevant accounts, doubt they would have paperwork from 1997.

Most sound as though they would probebly be unenforceable.

National_Debtline

serious_debt wrote: »

I struggle to understand everything here and desperately need help. I have a family who can help me financially for advice and full and finals (maybe about 20%/£60k) but I don't know where to go for advice, I don't trust my DMP company and would like independent professional help or where to find someone to hold my hand. Could I approach a solicitor? Any other advice would be very welcome.

Hi serious debt

It sounds like you do need advice from someone who can take a look at your whole situation and go through full advice with you. You’re welcome to contact National Debtline for that, although as you have a business I would recommend our sister organisation Business Debtline. You don’t actually need to owe business debts to contact them.

www.businessdebtline.org

If you feel that you need to actually sit down with someone who can advise you face to face and who can be more hands on than we can I think your local Citizen’s Advice Bureau will be a good place to start.

James
@natdebtline

fatbelly

serious_debt wrote: »

Good morning
This is a really interesting thread for me to read. So thank you all.
I have about £300,000 yes thats correct, of unsecured credit card and other debts. I have been on a DMP for over six years and currently pay just under £100 per month. Almost all my debts are defaulted. Most were in cards taken out in the 1990's but before 2007. I have 17 creditors.
My situation is that I am an alcoholic with other mental health issues. Now in recovery from alcohol addiction (5 years) but still vulnerable to relapse and so this debt is a threat to my life. All my debt was taken out during my years of madness.
I have not gone bankrupt as I have a small bed and breakfast Ltd company. This provides my home and income. If I lost this I would be homeless and income less. I would struggle to work due to my mental health issues. Also I am coming up to 60!
I struggle to understand everything here and desperately need help. I have a family who can help me financially for advice and full and finals (maybe about 20%/£60k) but I don't know where to go for advice, I don't trust my DMP company and would like independent professional help or where to find someone to hold my hand. Could I approach a solicitor? Any other advice would be very welcome.

Business Debtline is the place to go for advice

The limited company would complicate things as far as the CAB is concerned.

It may well be that a dmp with a non-fee charging debt management company is your least worst option, though sourcrates' advice is also good.

When you say 'They have advised bankruptcy' - who has?

serious_debt

fatbelly wrote: »

When you say 'They have advised bankruptcy' - who has?

Thank you for your help, My Non fee DMCompany advised Bankruptcy and I was not happy but thats their opinion.

fatbelly

OK, no harm in getting advice from Business Debtline too.