DMP mutual support thread part 13 !!

ditty1234

So just had £8000+ deemed unenforceable. Thats about a third of my debt. Can't do F and F for a long time, but maybe in time. But for now - it just sits there. And I'm very happy.

BooBoo77

ditty1234 said:

So just had £8000+ deemed unenforceable. Thats about a third of my debt. Can't do F and F for a long time, but maybe in time. But for now - it just sits there. And I'm very happy.

Wow that’s amazing. Very pleased for you! No rush to do F&F. Congratulations for sticking at it. 😀

DebtHurricane

@BooBoo77 how old were the unenforceable debts?

BooBoo77

DebtHurricane said:

@BooBoo77 how old were the unenforceable debts?

It's not me that's had confirmation of unenforceable debts, it's @ditty1234.

ditty1234

BooBoo77 said:

DebtHurricane said:

@BooBoo77 how old were the unenforceable debts?

It's not me that's had confirmation of unenforceable debts, it's @ditty1234.

BooBoo77 said:

DebtHurricane said:

@BooBoo77 how old were the unenforceable debts?

It's not me that's had confirmation of unenforceable debts, it's @ditty1234.

It was a B4rcleycard from  or 2010, now w PR4. 

BooBoo77

ditty1234 said:

BooBoo77 said:

DebtHurricane said:

@BooBoo77 how old were the unenforceable debts?

It's not me that's had confirmation of unenforceable debts, it's @ditty1234.

BooBoo77 said:

DebtHurricane said:

@BooBoo77 how old were the unenforceable debts?

It's not me that's had confirmation of unenforceable debts, it's @ditty1234.

It was a B4rcleycard from  or 2010, now w PR4. 

So not ridiculously long ago. That gives me hope. Thanks

ditty1234

BooBoo77 said:

ditty1234 said:

BooBoo77 said:

DebtHurricane said:

@BooBoo77 how old were the unenforceable debts?

It's not me that's had confirmation of unenforceable debts, it's @ditty1234.

BooBoo77 said:

DebtHurricane said:

@BooBoo77 how old were the unenforceable debts?

It's not me that's had confirmation of unenforceable debts, it's @ditty1234.

It was a B4rcleycard from  or 2010, now w PR4. 

So not ridiculously long ago. That gives me hope. Thanks

No @BooBoo77 I only really paid my DMP for a year, stopped it to take stock and get the CCA's and 2 more defaults out of the way. So will go self managed as soon as defaults comes through. They are on 2 bank balances that I will def have to pay £1600 altogether so will focus on that hopefully from November. There is a chance my other two credit balances are unenforceable as well, but no word yet - so they are just on hold.  

BooBoo77

ditty1234 said:

BooBoo77 said:

ditty1234 said:

BooBoo77 said:

DebtHurricane said:

@BooBoo77 how old were the unenforceable debts?

It's not me that's had confirmation of unenforceable debts, it's @ditty1234.

BooBoo77 said:

DebtHurricane said:

@BooBoo77 how old were the unenforceable debts?

It's not me that's had confirmation of unenforceable debts, it's @ditty1234.

It was a B4rcleycard from  or 2010, now w PR4. 

So not ridiculously long ago. That gives me hope. Thanks

No @BooBoo77 I only really paid my DMP for a year, stopped it to take stock and get the CCA's and 2 more defaults out of the way. So will go self managed as soon as defaults comes through. They are on 2 bank balances that I will def have to pay £1600 altogether so will focus on that hopefully from November. There is a chance my other two credit balances are unenforceable as well, but no word yet - so they are just on hold.  

That's really a good lesson in getting CCA status isn't it?  My Barclaycard was opened 2004 and my other credit card loans definitely pre 2010 so I'm getting hopeful.  Will definitely be squirrelling away those F&F in the meantime.  Hope you can get the default sorted and backdated soon.

DebtHurricane

Thanks @ditty1234 that’s helpful and sorry @BooBoo77 I must have been half asleep or not reading properly 😊

kelslayer

Hello, 

Just after some advice, if someone could help me so.
I am with Stepchange, and have been since Dec 14.  All my debts have defaulted with the last to drop off August next year.  I have been paying them consistently since it started from £180 to now £210.  I am now down to 4 creditors.  I have moved recently and the bills have risen slightly.  I have fluffed my budget out a bit so that i can put aside some money for some F&F's, as i still have another 3 years left on the DMP and i really just want to get rid of it now. 
So my revised budget now leaves me to pay £100 ish a month to stepchange (from £210) on debts of £6k.  However, when i went to submit it, it wasnt automatically accepted like my usual annual reviews.... probably because in the past it has stayed the same or gone up!! anyhow, i need to ring stepchange on monday to go through it.  What is the likelyhood they wont accept my new payment??