Hi, I'm new to this forum and am looking for some advice on how to move on with my debts. I have been repaying a token £1 per month for an overdraft debt (£10000, an old sole trader business account with HSBC), and 2 credit card debts (£4000 Santander, 7000 Halifax) for several years. They are currently with Robinsons (Santander) and Cabot (HSBC and Halifax) but have been around the houses over the years. I've had a couple of other debts which my sister had to help out with in order to stop court action but they are closed now and did not go to court. My credit file shows no sign of debt, which mostly dated around 2008-2013. Having found your site yesterday and read about CCA/UE for the first time I would like to try this route. But am worried that I could open a can of worms and bring on a CCJ. Should I go ahead and request a CCA for all 3?
Please can you advise.
Many thanks