Hi Onthebrink. Welcome back, and I've been away too so, just catching up on everything. Hey...Have you thought of doing a Martin Lewis and starting your own website? I'm not saying for one minute that you should pull away from this site...god forbid ! But, it seems like the obvious next step for you OTB?...Just an idea...From little acorns etc...

Just a quick thanks to Tomterm8 and Onthebrink for your earlier answers to my questions.

I'm just embarking with the CCCS on a DMP but, with eight creditors, its only time until I get passed on to a DCA. Is it worth me asking my creditors ( All Credit card companies) for a SAR now, or am I jumping the gun? I would have thought that with me paying regularly and on time until last November, that this constituted proof that the debt and balance exists? The other question is this: I owe in total £60K. If I get a windfall of say £5K, can I start to haggle with each creditor for a reduced full and final settlement, Say 60%, or will that set the cat amongst the pigeons? Thanks for a great thread...

Hi. sounds like the threat is in its early stages, for example, a letter. If they are serious about proceeding with bankrupcy proceedings, then they will serve a Statutory demand on you. This is also a warning shot, but more serious, in so much that you have 18 days ( if memory serves me right) to contact the court and apply for a Set Aside. If you are in dispute over the debt, then this would be a valid reason for applying for a set aside. I know, because I've recently had this happen to me. However, I was offered a very low final settlement figure which I accepted with help from family. Hope this helps.