Debt help please

Valvermike

Hi guys

I am 32 and have an extremely poor credit history. Until recently I haven't ever given it much thought as I haven't really needed credit nor wanted it.

After a quick check with noddle. I have defaulted debts in the range of £5000 spanning over the last 11 years or so.

I understand burying my head in the sand for so long is daft and I am paying for it now.

I don't know where to go or what to do to start sorting this mess out.

Noddle also shows that I have a ccj.

I also realise that I may have other debts registered with other credit agencies.

Any tips would be brilliant.

Thanks

Ben8282

Please advise dates of defaults and date of ccj. Nobody can give advice unless you provide this information.
Please also advise if anybody is currently in contact with you about these debts.

Valvermike

Ccj was 4.1.17

Defaults each date is one separate debt.

28.08.12
17.10.12
05.12.12
05.12.12
28.12.12
28.12.12
06.08.13
23.04.15

I have letters from the debtors yes. Some do date back a very long time (long before the stated default date).

fatbelly

Looks like you have six debts due to go statute barred this year.

You'd be better posting on the debt-free wannabee board

sourcrates

Hi, we move threads if we think they will get more help elsewhere (please read the forum rule) so this post/thread has been moved to another board. If you have any questions about this policy please email [EMAIL="forumteam@moneysavingexpert.com"]forumteam@moneysavingexpert.com[/EMAIL].

National_Debtline

Hi Valvermike and welcome to the forum


As fatbelly mentions some of your debts may become statute barred. That's when a company has run out of time to obtain a CCJ, and it will apply if there has been 6 years (since court action could have been taken) where no payments have been made towards the debt and you have not acknowledged it in writing.


If you are contacted about a debt you believe is statute barred you should send a statute barred sample letter https://www.nationaldebtline.org/EW/sampleletters/Pages/Time-has-run-out-to-recover-the-debt-%28sole-name%29.aspx.


However you could be contacted about the debts before they become statute barred, and these rules will not apply to the CCJ. It's a good idea to get in touch with one of the free debt advice agencies to discuss all your options to deal with the situation. Good luck with it all.


Susie
@natdebtline