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Admission of debt

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Anything in writing acknowledging to the OC or DCA that you do owe the money. Maybe (if calls are recorded) admitting the same on the phone too (although this is not a strong a case for them).

:)I am not an expert, but I can give good advice about Brighthouse:)


Am learning more and more about DCA's too :)


I have no legal experience and all advice given is based on the knowledge I've gained from this site.


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That's not exactly an admission of a debt, more a statement of your finances. ;)

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Don't forget as many have already pointed out, once SB'd. always SB'd. Nothing can change that. That's why you probably haven't had a reponse!


Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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  • 2 months later...

I initially approached CAB for assistance. I have signed a form giving them authority to act on my behalf and the Financial Statement they've sent to my creditors (and which states 'based on the information supplied by our client') lists the total owed on each card. Is this in any way an 'admission of debt'.


I'm not sure if meanwhile I should vary or withdraw my agreement with CAB. They have been helpful (if slow) and are currently in the process of agreeing a freezing of my accounts with nil payments for six months. Could it complicate actions of my own such as questioning a DN or challenging the validity of CCAs?

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nks22, I know that CAB do try very hard and are a great resource, but personally, given the great personal inportance of this to you, I would look at getting an advisor who was more able. Mistakes can be very costly.


Also, the amount of input from CAG compared to CAB means it is usually easier to differentiate the "well intentioned" from the well informed.


At the very least I'd use CAG as a sounding board before letting anyone act on your behalf.


good luck


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The Limitation Act 1980 states that an Acknowledgement of a debt

must be in writing, and signed by the debtor.


A payment, no matter how small, is also seen as an acknowledgement.

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Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.


I do not profess to be in any way legally trained, I am a big

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I'd been up-to-date with payments until around April and made some nominal payments since (though nothing since CAB first wrote on my behalf).


My inclination at present is to leave CAB to deal with all the CCs except Egg and the Co-Op since they're asking for a freeze of interest and nil payments for six months. Egg deny hearing from CAB, have terminated my accounts and handed them over to DLC while the Co-Op appear to have terminated on

faulty DNs so I plan to follow up with them myself but tell CAB what I'm doing.

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