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About emski77

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  1. Please do not judge me that there are 15 debts with DCA. They were accumulated when I was in an abusive relationship and he used my credit, unbeknown to me. I have been dealing with significant metal illness since this in 2018 and I am now in a place where I feel I can deal with it. The current DCA are Cabot, Debt Managers, Lowell and Intrum. There is no way that I can afford to pay off £15k of debt, I earn an average wage with the usual rent, bills and childcare of £600 a month. Someone recommended the 3 letter process and CCA request but it is
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