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Paper Work To Keep Once Defaulted.
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Sly72
Posts: 207 Forumite
Hi Followed advise and waited until all my accounts had defaulted, some sold, some have not, some enforceable, others not doing own DMP.
My questuion is i have all paper work going back to when i stopped paying, what should i keep and what should i get rid off.
I know to keep defaults anything else?.
My questuion is i have all paper work going back to when i stopped paying, what should i keep and what should i get rid off.
I know to keep defaults anything else?.
I have Dyslexia which is a learning difficulty that primarily affects the skills involved in accurate and fluent word reading and spelling so some post may not make sense.
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What's your long term plan? DRO? or?I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions 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.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
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"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
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Dont qualify for a DRO, just have loads of paper work just advice on what to keep or not. Plan pay those that are enforceable.Brie said:What's your long term plan? DRO? or?
Also to note defaults are now a year old.I have Dyslexia which is a learning difficulty that primarily affects the skills involved in accurate and fluent word reading and spelling so some post may not make sense.0 -
While the debts are still live, I'd be nervous about throwing anything away in case I needed it later. I know 99% of it will be worthless waste but just in case there's a date or a reference I might need, I'd hang on to it1
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In the past I've had a DCA write about a debt I had from years ago, allegedly, had no recollection of it whatsoever.
Turned out it was statute barred anyway, but always best to keep paperwork a few years just in case.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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