Hi,

I (nor anyone else for that matter) has seen of heard from my ex partner (not married) for nearly 8 years.

I have since re-married and have a child with my wife - we've been married for 6 years.

I understand from Landmark that I can do nothing without my...

So after months of deliberation I have decided to go down this route. I have debts both pre and post 2007 that are still outstanding. Is it worth sending off for post 2007 agreements as I get the impression these are exempt. Also do I send to the original lender or to the DCA? Any advice, including...