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Help I feel like I am drowning
Dant
Posts: 46 Forumite
I have 3 accounts with Cabot I sent a prove it letter and received a pack back with all the default letters they have sent to me on my aqua account that is it , also I had a AA credit card debt and got a ccj on that one (so do I need to set up a payment on it?) and the last one is Halifax credit card but no more information aqua is £3000 and Halifax £8000 what do I do now as my anxiety is bad
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Comments
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I'm not sure what to advise, I rely on the experts on here, I am sure they will be along to help shortly. There is always good advice on here. Hope you feel calmer soon.*Stop giving up what you really want for what you want now*
*Face your fear, don't do what's easy, do what is right, fight for it because it will be worth it*
January grocery budget £215.07/£250
#18 The 365 day 1p challenge 2023 £108.50/£667.95
#48 Saving £1 a day for Christmas 2023 challenge £31/£365
Emergency fund £83.98/£10000 -
When you first posted you suspected some of these might be statute barred
https://forums.moneysavingexpert.com/discussion/6305182
So was there ever (including the ccj one) a six-year period when you did not acknowledge a debt by payment or in writing?
If these are enforceable then the question 'what should I do?' is difficult to answer because we don't know enough about you.
If you could complete and post a statement of affairs we could have a look at it.
https://www.lemonfool.co.uk/financecalculators/soa.php
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If you want the forums help, it would be beneficial for you to come back and comment on this, so we can get a better understanding of your circumstances.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-letter1
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