Another UE diary

[Cancerfree]

Got some really old debt I need to sort, one way or another. Fully intended to pay off this debt at the time, but life has repeatedly kicked me, then just as I've started to get back on my feet, it's kicked me down again. My current situation is pretty bleak, no assets, not working due to health, and got this very old debt still hanging over my head.

I was searching for advice on making settlement offers and found this forum. Such incredible advice here, and it's given me a glimmer of hope.

[Cancerfree]

Type of account - MBNA credit card
Date commenced - 2008
Approx balance - £5000
Date last paid - not sure
Are you on arrangement or not paying - Not paying
Status - Default
Account owner - PRA
Mar 22 - requested CCA
Apr 22 - received paperwork but not sure if its enforceable

[The Tech Clerk]

Send cca to webmaster@all-about-debt.co.uk for checking quote this thread

[Cancerfree]

Type of account - Barclaycard credit card
Date commenced - not sure, early 2000's I think, transferred 2016
Approx balance - £6000
Date last paid - not sure
Are you on arrangement or not paying - Not paying
Status - Default
Account owner - Link financial
Mar 22 - requested CCA
Apr 22 - still no response at all to CCA request

[Cancerfree]

Type of account - Halifax credit card
Date commenced - pre 2015
Approx balance - £3500
Date last paid - not sure
Are you on arrangement or not paying - Not paying
Status - Default
Account owner - Intrum UK Finance Limited
Mar 22 - CCA requested
Mar 22 - received letter acknowledging request/dispute

[Cancerfree]

Thank you so much Tech Clerk, I'll email it across.

[Night Monkey]

Hi, not much to add but you're in the right place & doing the right thing.

Good luck.

[nightwatch]

Hi welcome to AAD,
you say you are not working due to ill health, sorry if this seems a bit nosy , but will you be able to work again or now going to be permanently on benifits?
Only asking as My hubby had a severe stroke 12 months ago, I carried on paying his loan and credit card and car finance, then decided that because we are going to be paying towards his care package it couldn't be done, unless I went to food banks, which cosidering he gets a works pension and a state one (i don't work) seemed a bit stupid, so the car has been taken back by the finance company ( nothing more to pay) and I am at the moment arguing with the Loan and credit card companys as I don't have POA, but have told them they can't speak to him as he is in a nursing home (For now) and he can't write, read or speak, apart from ,Yes ,no, and burble, burble. he can understand what is being said and asked of him sohe has capacity to make his own decisions, just cant put them into words.
I am hoping toget the Loan written off due to Ill health and the cost of the care package.
sorry to waffle on. but wondering if you had thought of this, as the companys should have a department to deal with ill health (vunerable clients)

Never thought I would be starting again 10 years later