I don't think we have ever known Citizens Advice or any debt management service or any money advice service to recommend exploring the enforceability of a debt as a preliminary to dealing with a general debt problem.
The advice is always to start contacting creditors and start paying token amounts. Of course, this keeps the debt alive. We do not recommend that avoidance here – but we certainly do recommend that people explore the legalities before doing anything else.
Yes dx I did know about this debt but somehow get confused and thought the one that was passed to Apex was this one, it wasn't. That related to a different Egg account.
It was only on sorting through all of the paperwork that I realised my mistake.
I paid them all token payments until 2018 as that was what I had been advised initially by CAB/ Payplan back in 2008.
When you have someone advising you one thing, other people saying if you pay them something then they won't take you to court - something I was terrified of at the time.
Not now though, bring it on, I would just rather they don't go down the 'backdoor CCJ' route.
I've moved a couple of posts in your other thread to here
now go read from post 1 again.
you did know about this debt
but i'm unsure why you continued to pay all of them until 2018??
when all but one failed your CCA requests + 10yrs ago?
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