Changing DMP

sourcrates

HappyMJ wrote: »

9 years!!! Why are you still paying them? The debts come off your credit file 6 years after default and that's when you make full and final offers with whatever you've managed to save.

Have you gone through the possibility that these debts cannot be enforced in court? If they can't be enforced then there is no need to pay them anything more at all.

9 years ago I had debts I couldn't pay and they have since been written off as uncollectable.

Now there's a thought !


They wont be statute barred, as you have been paying them, but you could, and should, try sending CCA requests to all applicable debts first.

Creditors usually only keep paperwork for 6/7 years at most, so there's a good chance they wont have yours anymore, I would assume all your accounts were originally opened prior to April 2007, most credit agreements from that era were unenforceable for various reasons anyway.

Non compliance with a CCA request would render your accounts unenforceable in court, worth a punt as they say.