Jump to content


MikeCarr

Question about SB debt

Recommended Posts

Hi everyone

 

I'm new to forum and will probably have a lot more questions as I try and figure out my current debt situation

 

I've been reading a lot online about the rules regarding SB debts

 

One thing that I am a bit confused about is the 6 year rule- or 5 as I live in Scotland

 

Whilst I have not made any payments on any of my debt accounts for 3-4 years, or personally acknowledged them to the various, and ever changing DCA's me at the moment

 

About 18 months ago, I went to citizens advice (for advice) and they (not me) did contact my creditors - explaining I was quite ill at the time/no income etc- does that count against me in terms that I have thus acknowledged the debts

 

Many thanks

 

Share this post


Link to post
Share on other sites

doubt it very much.

 

if you wish list them here:

 

original creditor:

who owns the debt now:

outstanding balance:

defaulted date:

last payment date:

 

most of this will come from your credit file.

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

OK thanks dx100uk

 

I will start digging out the details- there is quite a few

Share this post


Link to post
Share on other sites

No-one can represent you as far as the debt liability goes so the CAB might have given your creditors a sob strory but that is not a representation by you so means nothing as far as the SB clock goes.

My mum could admit that I owe money to a creditor and offer to pay but there is no relationship between her and the creditor so whatever she said or did wouldnt chaneg that. Now bailiffs like to pile on the guilt in trying to get relative to cough up for debts that arent theirs but they dont get paid otherwise.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...