Variety of debts

[adviceplease123]

As the end of year is coming I have been reflecting upon all the debts that I have

and been worrying myself sick knowing 6 years is around the corner when I originally defaulted.

I am out of work due to cancer treatment and started to worry about these debts again knowing 6 years is only a few months away.

 

Debt 1 is a Credit Card...£15,000 was taken out prior 2007.

It has been swapped from DCA to DCA numerous times and has been sold on to Vulture Company 1.

I have been paying each month £10 to the DCA of Vulture Company 1 and have been doing so for a number of years.

Not disputing I owe the debt as had card since 1996.

 

 

I am unsure what if anything they will do.

...Will they continuing accept this offer at this rate or go legal on me.

I have been complying with them and paying the repayments on time given my limited income.

 

I just dont want to open a huge can of worms by asking for a CSA on them

and if they find it they pursue legal on me.

Is it best to just carrying on paying until if I ever receive a solicitor letter off Vulture Company 1

threatening legal action to do it then?

 

Debt 2 is another credit card....£3,000 was taken out AFTER 2007.

It currently is still sat with the original creditor and I am paying them £5 a month.

I am paying them via a DCA who pays the creditor.

I assume they will sell this debt on at some time and been reading it could be a terrible company that they could sell it on to.

I am aware I cant do the CSA request on Debt 2 as its after 2007.

But with these I have been paying what has been agreed to the DCA monthly and on time.

 

I am just worrying myself sick about these debts and controlling them all.

I have done what I can paying them and not hiding away given my income.

But if my income stays the same I cant see them keeping accepting this level.

 

What your thoughts to ease my worries on it all......

[dx100uk]

name names

 

 

and sorry a CCA request is the way to go on both.

 

 

and me thinks you could be a cash cow here.

 

 

dx

[adviceplease123]

I am just worried naming names on here will only cause further issues if they are viewing on here....just paranoid about these debts.

 

I thought a CCA wont work on cards taken out after 2007?

 

Wont questioning the debts legality make them go legal quicker on you?

[adviceplease123]

name names

 

 

and sorry a CCA request is the way to go on both.

 

 

and me thinks you could be a cash cow here.

 

 

dx

 

Have PM you names

[renegadeimp]

CCA will work before and after. If its been passed around multiple DCA's, basically theyre laughing at you and saying to each other, " Here, try this guy, he coughs up without question".

[caro]

I am just worried naming names on here will only cause further issues if they are viewing on here....just paranoid about these debts.

 

I thought a CCA wont work on cards taken out after 2007?

 

Wont questioning the debts legality make them go legal quicker on you?

 

How will they know who you are as you haven't given your real name?

[dx100uk]

thanks for the PM

 

 

but you REALLY need to put the names up

you are being cash cowed esp on the debt from 1996!!

[fkofilee]

Tell us , Honestly its fine, tell us the OC and the DCA. Later we know, we can gauge what type of advice to give you.

[Bazooka Boo]

My serious honest thoughts on this is to dump payments right down to £1 a month, this is the LEGAL minimum payment you CAN make and should they attempt any puerile 'legal' action, then they will be laughed at by the Judge as you're paying them already.

 

You're being cash cowed here, you need to stop their supply of pocket money.