time to sort this mess out

[Jaffacake]

Re: time to sort this mess out

I was with money plus( yes one you pay for- just buried my head and hoped my problems would disappear) I have cancelled the plan and have my confirmation letter and the direct debit is cancelled. At my last check with them it was going to take about 14years to pay off and all interest has stopped for the whole time of me paying the dmp.

[SaltnVinegar]

Re: time to sort this mess out

Hi Jaffacake - welcome to AAD!



First question - who do you have the DMP with? How long have you been paying into the DMP? How long do you have left on your DMP? Have ALL creditors agreed to freeze interest and charges?

Useful to know as helps whether to make the UE route decision

[PlanB]

Re: time to sort this mess out

Hi to everyone in the forum and thank you for all the info available to help me makea start on my financial mess.

my story started about 10 years ago with a lot of unsecured debt . . . .

If your story started ten years ago then all of these accounts will have been opened before April 2007. This could be good news for you.

if any of my debts are unenforceable to possibly help me get the lowest possible settlement.

If any of these debts are unenforceable you may like to consider a 'settlement' of £0.00

Plan B x

[Jaffacake]

Hi toeveryone in the forum and thank you for all the info available to help me makea start on my financial mess.

my story started about 10 years ago with a lot of unsecured debt to the tune of£35k, I have been on dmp and never missed a payment, I never reallyquestioned the debts and threats as I was not wanting to go bankrupt(wish I hadnow it would have been done and dusted).
Now after checking the internet regarding full and final settlements I cameacross this forum, I'm wanting to find out if any of my debts are unenforceableto possibly help me get the lowest possible settlement.
Most of mydebts have been defaulted and fell off my credit file apart from Littlewoods cataloguewhich gets passed to ndr then back to Littlewoods, and has shown on my creditfile as AP for the last 4 years.
I will posteach debt once I have more info on them as any correspondence I got I forwardedto my dmp at their request.(I have now gone self managed)


None of mycreditors have sent me any statements over the years so I have sent ccarequests off to all the ones I know to be credit cards or loans, unsure what todo with my overdraft one though?
Thanks inadvance