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Just wanted to introduce myself. I joined the forum last June, but the illness and then bereavement of a very close family member took me offline for some time. I've been dipping in and out of the site more recently and have to say I find the approach and advice bang on the money, this is the site I was looking for and wish I'd come across it years ago. I have tried some other, 'establishment' backed debt advice sites, but can't tolerate their moralising approach, as though getting into debt means you are a second class citizen, and the lenders can do no wrong .
I have a large amount of personal debt, all loans or credit cards, the result of a failed business venture. I was in a DMP for a number of years with a well known outfit, but recently pulled the plug on it. I believe a number of my debts may be unenforceable, and one, that wasn't in the DMP, probably statute barred by now.
At first, I challenged all the debts via CCA requests etc. However, once into the DMP, it seemed a stalemate was reached, with little hope of ever actually being debt free. I went through a period of poor mental health as a result, lost my job through redundancy, and have since spent years of sleepless nights through anxiety and stress about what seems a hopeless situation. I know I won't be the only one here with a similar experience.
More recently I've got back on my feet and regained a stomach for a fight. I realise things may have moved on over the years and need to explore what options I have. It's going to be an interesting journey, and I'm looking forward to it!
I have a large amount of personal debt, all loans or credit cards, the result of a failed business venture. I was in a DMP for a number of years with a well known outfit, but recently pulled the plug on it. I believe a number of my debts may be unenforceable, and one, that wasn't in the DMP, probably statute barred by now.
At first, I challenged all the debts via CCA requests etc. However, once into the DMP, it seemed a stalemate was reached, with little hope of ever actually being debt free. I went through a period of poor mental health as a result, lost my job through redundancy, and have since spent years of sleepless nights through anxiety and stress about what seems a hopeless situation. I know I won't be the only one here with a similar experience.
More recently I've got back on my feet and regained a stomach for a fight. I realise things may have moved on over the years and need to explore what options I have. It's going to be an interesting journey, and I'm looking forward to it!
You have no doubt then seen a recent important success thread against PRA
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