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Help with old debts
Luke0702
Posts: 3 Newbie
Hi can anyone offer advice. Not posted before.
I was in a DMP for quite a few years with Money Debt & Credit. They ceased trading as a DMP and suggested using a solicitor to investigate whether my outstanding debts were enforceable or not.
Those that were provided proof apart from idem and PRG. PRG had issued a default in 2015 so they have disappeared but Idem sent the familiar letter - not enforceable but we will pursue you etc etc.
When my DMP ended as mentioned above I was told to stop payments back in 2016/17 whilst solicitors did their thing, however idem have chased relentlessly and threatened default and home visits from 3rd party debt collection etc. I have chosen to ugnore them after the debt was found unenforceable but doubt a default on my credit file dated in November ????
Can they do this? Can u get the default removed ?
Any suggestions welcome.
Many thanks 😩
I was in a DMP for quite a few years with Money Debt & Credit. They ceased trading as a DMP and suggested using a solicitor to investigate whether my outstanding debts were enforceable or not.
Those that were provided proof apart from idem and PRG. PRG had issued a default in 2015 so they have disappeared but Idem sent the familiar letter - not enforceable but we will pursue you etc etc.
When my DMP ended as mentioned above I was told to stop payments back in 2016/17 whilst solicitors did their thing, however idem have chased relentlessly and threatened default and home visits from 3rd party debt collection etc. I have chosen to ugnore them after the debt was found unenforceable but doubt a default on my credit file dated in November ????
Can they do this? Can u get the default removed ?
Any suggestions welcome.
Many thanks 😩
0
Comments
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Sorry typo - I found a default logged on my credit file from November. Are they legally able to do this after confirming debt is unenforceable?0
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Moved to correct part of forum.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
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Hi sourcrates
New to forum so please can you advise where you have moved my post to? I am desperate for advice.
Thank you0 -
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