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Newton817

been with stepchange for 9yes - help

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Hi All,

 

I am very new to this kind of thing but was hoping that this forum would be able to provide me with a little help.

 

My wife and I entered into a DMP agreement in 2009 with around 46k of debts from 7 different lenders. All unsecured debts from credit cards and loans and we have never missed a payment to Stepchange.

 

All debts have now gone from our credit files and there is no evidence of us being on a DMP.

 

My question is this, as all of the debts are statute barred and our credit files are clean and we was to come out of our DMP and self administer would the debts reappear on the files and would I have to declare to a mortgage lender that we was on a DMP?

 

Thank you for your help in anticipation of reply.

 

Paul

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Can't be sb'd if you are paying them!!

 

Who are the companies that get paid through the DMP?

Hope none are powerless fleecing DCA's??


..

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Can't be sb'd if you are paying them!!

 

Who are the companies that get paid through the DMP?

Hope none are powerless fleecing DCA's??

 

Hi dx100uk,

 

Thanks for your reply.

 

6 of them are now DCA's.

 

I thought SB was once the debt was past the 6 year mark?

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no 6yrs since your last payment

 

 

shame stepchange nor any DMP provider ever question the legality of debts.

 

 

i'd be sending a CCA request to everyone of 'em

[bar bank account OD or mobile debts]

 

 

bet 90% fail the 12+2 working days deadline

sadly I smell a cash cow here

 

 

dx


..

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which DMP are you with?


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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we have never missed a payment to Stepchange


..

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Ahh my bad. Reading on my phone so prob swiped too fast


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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