Thank you Bankfodder

Thank you Bankfodder. Yes, that's right. There has been no acknowledgement and no payments since 2011. Does it make a difference that my mortgage is with the same original creditors?

Thanks for the reply dx. I was advised to go to Stepchange as I'm not confident about sorting things out myself. I realise that sounds ridiculous, but I have little to no support and my mental health has not been great over the years. I know that the mortgage accounts are my priority debts at the moment. With very little disposable income, I was under the impression that debtors would be more likely to agree a plan with someone like stepchange. If I go ahead with the dmp - should I ask them not to include the old debts then?

Why is this, if you don't mind me asking?

I think I am behind one month with my mortgage payments although on the last letter it states I am not. There is a reserve account linked to the mortgage which is £300 over the limit which has accrued through interest as hasn't been touched for years. I have a large bill for water rates £2k+ I believe this happened as direct debit didn't go through a couple of times and was then cancelled. I wasn't aware as was not opening post. So I still need to set up current payments again as well as arranging to repay the debt. I also have a personal overdraft of £3.5k which I find myself up to the limit at the end of every month.

Someone from Stepchange.

I have two old outstanding debts - £7000 loan and a £1000 overdraft. A bit of background: My long term partner walked out in 2009, leaving me with all our joint debts and paying the mortgage. I continued making loan repayments for a while before stopping as I was not able to afford them. They eventually ended up with a debt collection agency. Having a few major life crises in the intervening years meant that I buried my head in the sand and ignored everything. I am currently trying to sort out a debt management plan with more recent debt on a limited budget. The person I spoke to said I should be including these two old debts. However, they are not showing on my credit report with noddle, clearscore or experian. There are also no ccj's listed, although I suppose there is a possibility that there could be old ones in existence. I was told these debts would not be classed as statute barred as the dca have been writing to me regularly and I have been at the same address for a long time. After finding and opening some old post I have found letters from dca going back to 2011. There have been no payments towards the debt or acknowledgement from me since 2010/2011. Where do I stand? Advice would be much appreciated.