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I have been on a joint DMP with my partner for 9 years, first with the ill fated DCM money solutuions which went into adminisatration taking 4k of our money, and now with another company. There are 5 accounts one joint and 4 in seperate names. I also have a CCJ in my name. They have bounced around several DCA's but still get statments from some of the original companies. I have been made redundant and want to make some Full and Final offers but before i do so i wondered if i could go down the route of asking for proof of the debt and current ownership. I have read topics elsewhere on this forum about this but wondered as the accounts are 9 years old would there be a chance that proof cannot be made. I am not keen on my current DMC dealing with my F & F as they want to charge me 25% of any saving they make if they negotiate it for me
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Re: Unenforcable vs Full and Final
Have you read this ?------->UPDATED - A Full Guide to Unenforceability
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