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Defaults and Debt Management Plan
Icelolly30
Posts: 1 Newbie
If i have defaults from 2017 - which i assume should be removed from my credit file. I am currently paying by way of a DMP.
Is it worth still paying or would it be unenforceable? Is it to down CCA route?
Is it worth still paying or would it be unenforceable? Is it to down CCA route?
0
Comments
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What makes you think your debts would be unenforceable if you have been paying them via a DMP?
Just because they drop off your credit file, it doesn't mean they are any the less collectable.
Stop paying you risk CCJ`s, do CCA requests by all means, if they fail to produce what is required, then they become unenforceable.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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