A little help with CCJ's and outstanding debt

enigma1978

Hello all, new user so go easy on me.

A few years back I got myself in a mess mentally and financially. I did what at the time was I felt my only option and buried my head in the sand. Fast forward to this year and I've started to try and fix my finances. I've signed up to Experian, Credit Karma etc and started to sift through what I need to get fixed.

I have the following on my reports and am now wondering what the best course of action is ;

Default with Hoist - date 24.2.17 - £6482
Default with Lowell - date 14.9.17 - £4185

These were brought out by Hoist and Lowell and are the original default dates with Barclaycard and I think the other was a loan. The hoist/Barclaycard debt was also issued with a CCJ, dated 29.3.19.

Someone I know has advised me to ignore them as they are due to expire, however I do want to start sorting myself out. Granted I can't afford to pay them off immediately but may be able to start paying them off slowly. Should I wait and see if Lowell will issue a court warning before I get too far ahead of myself?

I'm not looking to cheat the system, I took out the credit card and loan with a previous partner, and unfortunately my life at the time was a mess and I was in no position to take either the card or loan but thought I was doing the best thing to help her out. That wasn't to be! 

I also have another CCJ, for a speeding fine, received 9.3.17 for £197. Again, as mentioned this was a very dark time in my life but I'm here holding my hands up and trying to sort things. The bad thing is, due to the mess at the time, I have only just started to uncover just how bad I let things get as I had moved home at the end of 2015 and not had any mail redirected as an oversight. Now I'm all registered and got access to my credit reports i'm finally seeing the mess i'm in.

Any advice is gratefully received and I thank anybody in advance for any ideas and thoughts they have.

MEM62

Make any kind of payment and you reset the statute barred clock.  Leave these and see what action, if any, the lenders take before the six-years period is up.  Once past six years the debts are unenforceable and you can forget about them.     

enigma1978

Thanks MEM62, I think that is probably the best action now seeing as I'm almost 6 years in with these