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Advice with Debts


strepsi
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I am sure same questions are posted over and over.

 

 

we have 70k in unsecured debts mainly credit cards.

I have cca'd all of them,

some still havent replied,

some have replied saying they can't find agreements (approx 25k),

some have replied with agreements with my signature.

 

At the moment, I am not paying anything to any of my debts.

 

 

Without checking my file I believe all my debts defaulted in 2014.

The amount of letters I get through the letterbox is making me sick and depressed!

 

What I am looking for advice on,

is my best exit strategy,

for example should I make token payments for next 3 years until defaults are about to go and then make f and f payments, or continue to send a cca letter to all new dca's in the hope that all debts get sb'd?

 

 

Really don't know what the best way forward is...

 

All advice appreciated

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Impossible to give goid advice with so little information.

List all the debts please and indicate which have stated they cant find the cca.

 

Are these all still with original creditors or passed to dca's?

 

Again add this to the list

 

Do you own your property? Either sole or joint and are all cards sole or joint name?

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Will be back tomorrow with the list. But all debts are now with dca's. Credit agreement cant be found with virgin, tsb, creation, barclaycard x 2 and next.

 

We (my wife and I) have debts solely, we own house in joint names.

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well the ones that have failed the CCA test you can totally ignore but NOT a claimform!

 

 

the ones that have returned a CCA request

 

 

go make a new thread for each one

and upload

 

 

then well check see for you.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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well go read it slowly again then...

 

 

we need a thread for each debt whereby you have had documents returned please

we then need to see those documents..

who says its enforceable??

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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And any that have not produced a CCA can be ignored, unless you receive a claimform. If you do, start a new thread for it and we'll deal with that too.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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