Clearing old debt

oneam

Hi, I've been paying £5 p/mth each for 4 old university debts for over 10 years. These debts are with dcas and haven't been with the original creditors for at least 20 years. My credit report (currently 992 out of 1000) is only showing 1 of those debts.

I would finally like to clear these debts, what is the best way to confirm if these are still enforceable, if so, how much I owe and also what level of settlement will they accept?

Thank you.

fatbelly

What sort of debts are they? Loans, credit cards?

You can do a cca request to see if they can produce an original. If they can't then it's unenforceable.

For other debts you don't really have an angle as you have been continually acknowledging the debt by your payments.

You could just stop paying and see what happens. If you have a lump sum you could offer full and final settlement

oneam

thanks for the reply.

3 credit cards, 1 loan.  So if I send a cca to each, and the dca cannot provide it, then legally this debt is unenforceable?

Im finally in a position to remove the monkey so if it is enforceable happy to pay reduced full and final as well.

So you recommend I start with ccas 1st?

fatbelly

Yes, letter here

https://www.nationaldebtline.org/sample-letters/information-about-your-agreement-under-consumer-credit-act/

oneam

Thanks again