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Hi All,
Appreciate any assistance you can give me...
Here's the history of my debt.
I basically emigrated to OZ in 2005 with my then wife and young son, thinking all credit card debts etc (all of which were in my sole name) had been settled. (my ex has since told me this was not the case?!)
However in 2008 and back in the UK (now divorced) I started receiving letters and threatening phone calls from Lowell regarding 3 separate credit card/bank account debts totalling about £6K, at this time I was unemployed and skint!
Not knowing anything about the situation I was in, and without gaining any evidence of the above debts I started making very small payments to them on a monthly basis as I panicked and really didn't want an adverse credit history.
My financial position at that time went from bad to worse, so in early 2009 I stopped making these payments and have since ignored all correspondance.
I have since moved house a couple of times, but they always catch up with me.
Then today I received the standard letter from Bryan Carter threatening court action and CCJ's in the next 10 days if payment wasn't made of £2500 (which is just one of the 3 debts I presume) etc etc.
I'd appreciate any advice on this... the original debts must at least 8 years old so would it be possible for me to go down the unenforceability route? What would now be my best course of action?
Best regards and thanks in advance.
Sloth.
Appreciate any assistance you can give me...
Here's the history of my debt.
I basically emigrated to OZ in 2005 with my then wife and young son, thinking all credit card debts etc (all of which were in my sole name) had been settled. (my ex has since told me this was not the case?!)
However in 2008 and back in the UK (now divorced) I started receiving letters and threatening phone calls from Lowell regarding 3 separate credit card/bank account debts totalling about £6K, at this time I was unemployed and skint!
Not knowing anything about the situation I was in, and without gaining any evidence of the above debts I started making very small payments to them on a monthly basis as I panicked and really didn't want an adverse credit history.
My financial position at that time went from bad to worse, so in early 2009 I stopped making these payments and have since ignored all correspondance.
I have since moved house a couple of times, but they always catch up with me.
Then today I received the standard letter from Bryan Carter threatening court action and CCJ's in the next 10 days if payment wasn't made of £2500 (which is just one of the 3 debts I presume) etc etc.
I'd appreciate any advice on this... the original debts must at least 8 years old so would it be possible for me to go down the unenforceability route? What would now be my best course of action?
Best regards and thanks in advance.
Sloth.
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