Enough now

[Right-a-wrong]

Hi everyone, I have been reading with interest your very inspiring posts, which have made me rethink my current financial situation. A bit about me and my situation.

I began with a DMP in 2008, managed by StepChange. I have let this run completing annual reviews. I found the whole process of letters and threats , one person even contacted the HR department of where I work. I hadn’t ignored any requests for information at all, but found them very intimidating. Complaints to the financial ombudsman didn’t result in anything positive so my faith was lost in a system which should have managed this threatening behaviour.

The DMP has been paid regularly over this time.
My my partner isn’t aware of the DMP.

I have been unwell over the last 3 years, after a shock cancer diagnosis , with subsequent ongoing ill health caused by treatment, and the death of a very much loved father from cancer.


i feel the need to tackle the rest of this debt now, otherwise it will be running for another 10 years.

I have taken a look at my current debt all of which would have been initially taken out at some point before 2007. From looking at the many posts I wonder if they are unenforceable.
So today I have taken the first steps to identify if this is the case, obtaining the obligatory £1 postal order to request the information needed.

Please forgive me me if I don’t understand the terminology, if I ask questions that may seem to be easily explained.

I take this step knowing that there are so many supportive people who can guide me through this process, I am happy to take the challenge and feel confident with the support available within this lovely group.

I will post details of each debt in the required format.

Thank you all.

I joined earlier this year after much dithering and wish I had bitten the bullet years before. I have had some fantastic results since joining, and have peace of mind at long last, and all in a few short months. You are in amazing hands here, with caring, sharing people, knowledge is power. Good luck on your journey Rosebud!

[Joanna Connolly Solicitors]

I have taken a look at my current debt all of which would have been initially taken out at some point before 2007. From looking at the many posts I wonder if they are unenforceable.
So today I have taken the first steps to identify if this is the case, obtaining the obligatory £1 postal order to request the information needed.

Hello

You've spent 10 years paying these debts so I wouldn't be surprised if you've paid back far more than you actually borrowed in the first place if they continued to add interest and charges when you began to struggle.

It's definitely time to take the first step towards establishing which of these debts are enforceable and which aren't.

If they've been assigned (sold) to debt purchasers then there may be other reasons for a debt to be unenforceable not just the credit agreement.

And if there's PPI involved then there may be the potential for refunds if they were missold. This would only be realistic if the debt has been sold on so your claim would be against the original creditor.

Let's see what transpires

I look forward to helping you on your journey.

Di

[Rosebud]

Hi everyone, I have been reading with interest your very inspiring posts, which have made me rethink my current financial situation. A bit about me and my situation.

I began with a DMP in 2008, managed by StepChange. I have let this run completing annual reviews. I found the whole process of letters and threats , one person even contacted the HR department of where I work. I hadn’t ignored any requests for information at all, but found them very intimidating. Complaints to the financial ombudsman didn’t result in anything positive so my faith was lost in a system which should have managed this threatening behaviour.

The DMP has been paid regularly over this time.
My my partner isn’t aware of the DMP.

I have been unwell over the last 3 years, after a shock cancer diagnosis , with subsequent ongoing ill health caused by treatment, and the death of a very much loved father from cancer.


i feel the need to tackle the rest of this debt now, otherwise it will be running for another 10 years.

I have taken a look at my current debt all of which would have been initially taken out at some point before 2007. From looking at the many posts I wonder if they are unenforceable.
So today I have taken the first steps to identify if this is the case, obtaining the obligatory £1 postal order to request the information needed.

Please forgive me me if I don’t understand the terminology, if I ask questions that may seem to be easily explained.

I take this step knowing that there are so many supportive people who can guide me through this process, I am happy to take the challenge and feel confident with the support available within this lovely group.

I will post details of each debt in the required format.

Thank you all.