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Good evening all - I really wish I had found this site a few years ago - would have helped reduce a lot of anxiety and stress!
I've been browsing and reading through the site as fast as I possibly can to improve my knowledge and understanding and have looked with interest at the unenforceability section / unenforceability diaries.
I have effectively taken this route for a variety of pre 2007 unsecured debts totalling somewhere in the region of £75k. Last full contractual/minimum payment to any of these was in November 2008 - I started a DMP with Payplan in Jan 2009 whilst weighing up wheter an IVA or Bankruptcy would be a better route but ceased payments to that and all contact with creditors from June 2009.
I have never made any CCA requests or had any other type of contact with them - I have moved house a few times and kept a fairly low profile (minimal credit checks / only on the redacted electoral roll, etc.) - have received the occasional threatening letters from time to time but have generally ignored them.
Just before Christmas I received a County Court Claim form from one of the DCAs who had purchased a debt from the original creditor (I've posted a thread about it in the claims section and PlanB has been a great help already and I intend to defend if possible) but this has made me think....
Would welcome any views/advice - with less than 6 months on the clock until the other debts become SB should I take more proactive action - i.e. sending s77/s78 requests, etc. or should I avoid rocking the boat and hope the 6 months pass without any further incidents!
I've been browsing and reading through the site as fast as I possibly can to improve my knowledge and understanding and have looked with interest at the unenforceability section / unenforceability diaries.
I have effectively taken this route for a variety of pre 2007 unsecured debts totalling somewhere in the region of £75k. Last full contractual/minimum payment to any of these was in November 2008 - I started a DMP with Payplan in Jan 2009 whilst weighing up wheter an IVA or Bankruptcy would be a better route but ceased payments to that and all contact with creditors from June 2009.
I have never made any CCA requests or had any other type of contact with them - I have moved house a few times and kept a fairly low profile (minimal credit checks / only on the redacted electoral roll, etc.) - have received the occasional threatening letters from time to time but have generally ignored them.
Just before Christmas I received a County Court Claim form from one of the DCAs who had purchased a debt from the original creditor (I've posted a thread about it in the claims section and PlanB has been a great help already and I intend to defend if possible) but this has made me think....
Would welcome any views/advice - with less than 6 months on the clock until the other debts become SB should I take more proactive action - i.e. sending s77/s78 requests, etc. or should I avoid rocking the boat and hope the 6 months pass without any further incidents!
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