letters from anyone, let alone a powerless dca mean nothing.   however if you go down the pro rata route, paying everyone a small regular sum, regardless to if they agree to your plan or not. that will most probably for year(s), delay 99% of letters or any further action. in that time your situation might change for the better.   for no other reason than if you were you, i would not be spending any more on credit , purposefully running up more to pay with interest going forward.   in the fullness of time if things don't change, eventually each debt will be sold to a debt buyer/DCA, you can again be quite safe to simply file those letters (scan everything as you should with all letters for your records). if you ever get a letter of claim, with a reply pack, you do not ignore that but return here.   dx      

This looks like a great project, organisations are co-operating to create a super nature reserve in Somerset.   Somerset ‘super nature reserve’ will benefit UK’s rarest wildlife | Wildlife | The Guardian WWW.THEGUARDIAN.COM Environmental organisations partner to create 15,000 acre protected wetland 70 years after creation of England’s first nature reserves  

your last acknowledgement of the debt was when you sent that form 24/3/13

The social media platform says it will put false claims from official accounts behind warning notices.View the full article

I'm no professional, just a guy still sweating at the grind stone making other people rich while trying to afford staying alive haha   Forget your morals! Banks have lied to us all and keep us ignorant to their scams and how currency really works..   Anyway, don't get me started   Basically, do whatever you need to do, nothing bad will happen whether you owe 1k or 50k, same processes, same DCA's blah blah blah   One thing you will not be able to avoid will be letters though SB - many trees will be harmed during this process