Unsecured old debts and CCA

[odn22]

Hi

hoping to be pointed in the right direction for help and advice of where to go from here.

Over 10 years ago due to various circumstances I ended up in significant debt to 6 companies, credit cards, 1 bank loan and an overdraft on a current account. At the time I had no money to pay so offered token payments of £1 per month which I continued to pay for many years. As the years passed these debts no longer appeared on my credit file but I kept paying token payments. My credit score recovered to a good level.

Though debts still hang over though. The total owed is around £14000, the debts are all no longer with original creditors, most are with Cabot. One was arrow global but recently being lettered by Moorcroft.

I looked for advice with how to get out of this situation about 2 years ago and different forums pointed me towards requesting CCA’s. Only 1 was returned for a Mint credit card. I never heard any more and as the payments had stopped while CCA was requested I’ve not made any payments since that time.

Both companies have recently dramatically increased their attemcontact

[odn22]

Continued post as posted incomplete

So companies have dramatically increased attempts to contact and demand payment, including involving a company called Resolvecall who have lettered stating they will doorstep call and recently have carried this out. They left as I was not in but posted cards through the door.

I have never had any court papers or action for these debts.

I have read many forums for advice but thought it was easier to post my own situation. I am not in a position to settle these debts in full. I am not sure how to go about getting them off my back either by reduced offers, go back to paying £1 a month or do I ignore and hope for the best.

Any help greatly appreciated.