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  • #1

    Unenforceable Debt still being Pursued What Now?

    Hi all, I'm new to this site so please bare with me. We have 6 creditors and have been in a DMP with Stepchange since 2011. I recently started to read about CCA requests. I also felt that I would be able to deal with our debt in a more straightforward way if I managed it myself and so on 10th May we became self managed. So after sending off CCA requests to all 6 creditors on 12th May I have had the following responses. Two creditors have admitted that the debts are currently unenforceable and the other 4 have put our accounts on hold whilst they contact the original creditors to try and get the requested CCA's.
    Yesterday I had a letter from Idem (originally with Halifax) requesting the full amount (£3400) or an arrangement to pay. They had previously wrote to me on 1st June admitting the debt was currently unenforceable. What do I do next, just ignore it or remind them it's unenforceable. Not sure how to proceed from here. Thanks in advance for any help
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  • #2
    If they have written to you saying they are currently UE I would not worry about it . UE means just that, they can still beg, ask, beg and beg a bit more but they can not enforce in court ( provided you defend if a claim arrives)

    If they become troublesome such as calling you or lots of letters then there are more tactics
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    • #3
      As said above, if they have said it is UE ,they are still allowed to ask for payment. You keep the letter safe and if they threaten legal action it can be used to remind them that their is no CCA ,
      the account is UE, unless a VALID cca appears.
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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      • #4
        Originally posted by Namort61 View Post
        We have 6 creditors

        . . . . . So after sending off CCA requests to all 6 creditors on 12th May I have had the following responses. Two creditors have admitted that the debts are currently unenforceable and the other 4 have put our accounts on hold whilst they contact the original creditors to try and get the requested CCA's.
        Hello

        You've got off to a good start by sending each of your six creditors a s 77-79 CCA Request.

        So far none of them have complied with your request from what you say. So that means all of those debts are currently unenforceable in court even if the creditors haven't had the grace to admit that to you.

        These debts will undoubtedly move forwards in a variety of ways so the best thing to do is list each one in a separate post which you can update when anything happens and get suggestions on what could/should be your next step.

        Here's an example of a Diary layout which works well > https://www.all-about-debt.co.uk/for...man-s-ue-diary

        I note you say "we" in your first post so are any of these debts joint?

        Di
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