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 debt 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.
Shocking pictures reveal ‘disgusting’ conditions inside Hermes depot where workers ‘feel like slaves’. Read more at https://www.consumeractiongroup.co.uk/topic/419726-shocking-pictures-reveal-%E2%80%98disgusting%E2%80%99-conditions-inside-hermes-depot-where-workers-%E2%80%98feel-like-slaves%E2%80%99/
Euro Car Parks issued this ticket to the police in Devon and Cornwall. Read more at https://www.consumeractiongroup.co.uk/topic/419522-can-anyone-identify-the-parking-company-which-issued-this-ticket-to-the-police-in-devon-and-cornwall/