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BankFodder BankFodder

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Good evening, 


I`m looking for some advice here, and options as to what I should do.


I have debts of over £20K.

My IVA failed around 15 months ago.  

My mental health is suffering. Been diagnosed with clinical depression. 

I live in rented property.

I drive a car worth less than £1000.


I am due to receive work related pensions in 3.5 years time, age 60.     The combined lump sums are less than what I owe........but I believe I cannot be forced to give up my pensions to cover the debt ?


What happens when a debt becomes statute barred ? Does the creditor have to right to chase you for the debt ? 

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