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Hello everyone. I came across your forum when searching for advice on debt. My story is probably fairly typical, but basically I had a business which folded, I ended up with fairly huge debts, had a nervous breakdown, went on long-term medication and counselling and I'm still getting threatening letters about the debts, even though the people sending the letters have changed several times over the years! One thing they all seem to have in common though is some odd reluctance to take it all the way to court. After a few threatening letters and promises to send someone to the flat the debt seems to move to another company who commence the whole thing over again with a tedious inevitibility...

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Hello Howie


Welcome to CAG. We see stories like yours everyday. We have a debt forum here which maybe of great use to you. There maybe that some of your debt is Unenforcable due to incorrect Credit Agreements, amongst other things. This link will explain more:




I have left more links below to help you get around.




Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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