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Help please ..ive been reading some of your threads and I'm not sure what action I should take.
in 2003 I split with my husband and after a couple of years struggling with debt I took out a 'plan' with Debt free direct in Feb 2008 . Because I was still in the marital home until my children had finished tercerary education I couldnt do IVA - the plan was 10 years fixed amount, freeze on interest and after that time what was left would be written off. After a couple of years they were changing to I think a company called Harrington Brooks . At that point I discovered that quite a lot of my fixed amount was going to 'fees' to these companies . I approached the credit companies directly and offered to pay them directly instead & mostly they agreed to receive the money monthly direct from me ( so if I was paying £10 to DFD & they only received £8 per month they were now receiving the full £10 directly from me) . SO set up until Feb 2018 and all was well until recently . I am now being chased by Cabot and have not engaged with them but I have now received a letter from a solicitor
i have since moved & reverted to my maiden name & they are chasing me at my new address ( marital name) & not sure how they have obtained this info either
These debts would be from cards approx pre 2003 . Do I ask for the signed agreements ? Help please I'm not sure what to do
in 2003 I split with my husband and after a couple of years struggling with debt I took out a 'plan' with Debt free direct in Feb 2008 . Because I was still in the marital home until my children had finished tercerary education I couldnt do IVA - the plan was 10 years fixed amount, freeze on interest and after that time what was left would be written off. After a couple of years they were changing to I think a company called Harrington Brooks . At that point I discovered that quite a lot of my fixed amount was going to 'fees' to these companies . I approached the credit companies directly and offered to pay them directly instead & mostly they agreed to receive the money monthly direct from me ( so if I was paying £10 to DFD & they only received £8 per month they were now receiving the full £10 directly from me) . SO set up until Feb 2018 and all was well until recently . I am now being chased by Cabot and have not engaged with them but I have now received a letter from a solicitor
i have since moved & reverted to my maiden name & they are chasing me at my new address ( marital name) & not sure how they have obtained this info either
These debts would be from cards approx pre 2003 . Do I ask for the signed agreements ? Help please I'm not sure what to do
