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Hi,

 

My mother has been unwell for a number of years and has recently been given help by a local charity to sort her debts out

and they have recommended a Debt Relief Order through stepchange

 

 

now I am wondering if many of these debt's are actually enforceable?

 

 

as some are many years old and have since been passed to DCA's

 

 

her largest by far is a debt stemming from a business overdraft with HSBC from about a decade ago (last payments was I think 3-4yrs ago)

for around £6,000

 

 

many of which don't show up on her credit file.

 

 

(experian shows she owes £400 in total!)

 

what should she do?

 

 

should she go with the DRO for peace of mind and simplicity?

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Hi, Can you list these debts with the following information?

 

 

1. The name of the original creditor and type of account.

2. Name of DCA if relevant.

3. Date started

4. Date defaulted.

5. Amount outstanding.

 

 

Any information as to what action is been taken by creditors and/or DCAs in each case.

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For a debt to be statute barred, you would need to have made no payments or acknowledged liability for over 6 years. (so payments 3/4 years ago have scuppered that)

 

If Mum's debts are under £15,000 and she is being advised by a Debt Charity, then I think the Debt Relief order is probably the best option for her. She will almost certainly be debt free within 12 months.

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