Hi Seq. Thanks for you reply Is the CCA relating to debts that cannot be chased after 6 years? The problem with that is I have been making regular payments so does this still apply? any advice welcome. Thanks

ok so I have the details of my debt. They are as follows Credit/store cards: OC - Home retail (homebase store card) Now - Moorcroft debt recovery Date opened - 10/03/08 Debt - £245.19 OC - Marks & Spencer Credit card Now - Rockwell debt collection Date opened - 12/04/06 Debt - £511.68 OC - Barclaycard Now - Barclaycard Date opened - 18/03/08 Debt - 604.59 Overdrafts: OC - LloydsTSB Now - Lloyds Bank Date opened - 01/07/09 (This is according to my credit file but I had this account for many years prior to this date) Debt - £3215.06 OC - Santander Now - Debt managers Ltd. Date opened - 12/02/09 Debt - £165.89 Loan: OC - LloydsTSB Now - Lloyds Bank Date opened - 27/10/07 Debt - £5,080.08 Also I have relatively new Capital one and Vanquis credit cards which are defaulting now as I am stuggleing to pay these aswell as my DMP. Is it possible to now add these to my DMP? or would I need to set up a new one? the balances are both about £300 Thanks in advance for your help.

Hi, Thanks for your reply. I'm at work and don't have my stepchange login details handy to list the debts. Will do tonight if you don't mind keeping an eye on this thread. Regarding the charges. I'm almost certain that most if not all of the debts incurred charges during the time I had the accounts. Either credit/store card late payments, overdrafts in excess of limits, missed payments etc. I'm not sure if I ever took PPI but I guess I can try and find out.

Hi I started a DMP with the CCCS 3 years ago when I had 21k of debt to pay off. I still have about 11k left so about 4 years to go until I am debt free. I've looked through the forums etc but I was just wondering if anyone had any ideas if I could pay this back sooner, reduce my debts, IVA etc? I am paying £274 a month with I can just about manage. I am desperate to get this debt paid off asap but cannot afford more then £274 a month. My debts are from 3 credit cards, 2 store cards, 2 overdrafts and a loan. Also one question I have is regarding a lloyds overdraft I had about 4 years ago. I had their top current account at the time and was able to apply to extend my overdraft online which was an instant decision. I keep doing this as I was always short of cash and somehow over a period of about 2 years I managed to get my overdraft limit up to......£6920, yes, £6920!!! How did they let me do this? is was an apprentice at the time so was earing between £11k-£18k at the time and renting a flat!! If anyone has any advice or ideas I would very much appreciate it. Thanks for your time reading this. Mike