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For 4 years me and my partner have ignored letters and letters from companies asking for money. So bad we totally lost track. Recently the letters have been getting nasty and are all from solicitors/debt collectors/courts etc....I think we both have 2 CCJs each and we both have terrible credit history. We have never paid minimum monthly payments on anything for 4 years.


One letter we have is something about statuatory demand of insolvency act for over £8000.

I dont even know who we actually owe money too because up until now we have just thrown the letters away.

Im guessing owe over £25,000.

We have rubbish paid jobs and live day by day, but we are fully employed and receive no benefits of any kind.

Im struggling to get hold of the citizens advice, and the CCCS needed to know exactly what we owe and who to.

Trouble is I need to see someone face to face who can say right, this is your options, make a decision and they will take care of it for us.

I cant afford a private solicitor so what do I do? :confused:

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Hi, you have come to the right place.


The first question you need to answer is do you own your own home? Or have any other assets?


You will need details of who you owe what to if you do let the creditor with the £8000 petition for bankruptcy. It is possible that the SD is being used as a threat only - this seems to be happening a lot - however if you do decide you want to oppose it you will need to act quickly.


If you can give a rough breakdown of who is owed what and whether it is credit cards, loans or whatever there may be other ways out of your situation.


Nat West Bus Acct £1750 reclaim - WON


LTSB Bus Acct £1650 charges w/o against o/s balance - WON


Halifax Pers Acct £1650 charges taken from benefits - WON




GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Goldlady is right - certainly DO NOT ignore this.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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