Hi
I got debts which were on default ,1 or 2 CCJs etc, around 2004. I bought a house and moved without paying any of them. Creditors found me and chased me for debts. So I decided to go with a Debt management plan. Although I wasnt consistant with keeping my payments, since 2008 I started paying regularly through a debt management company till 2 months ago. As my total debts amounts to £29K, and the DMP didn't reduce the debt amount or did not help me much, the DMcompany decided its not the best solution for me and stopped the plan saying I should look into some other option. As I don't want to do an IVA, I am left to face the DCA,s now. As all debts are dealt with DCA now and not the original creditors, I have sent CCA request to some DCA's. But there are few DCA's & barclays still threatening me to enfoce an exisisting CCJ or take me to court after all these years. Can they do it? Can a DCA still take me to court after 10years. Note debts are not statue barred bcoz i was paying all these years thru DMP. But my credit files cleared bcoz all default & CCJs are more than 6yrs now. Can my file be affected again by these DCA's??? where do i stand???
I got debts which were on default ,1 or 2 CCJs etc, around 2004. I bought a house and moved without paying any of them. Creditors found me and chased me for debts. So I decided to go with a Debt management plan. Although I wasnt consistant with keeping my payments, since 2008 I started paying regularly through a debt management company till 2 months ago. As my total debts amounts to £29K, and the DMP didn't reduce the debt amount or did not help me much, the DMcompany decided its not the best solution for me and stopped the plan saying I should look into some other option. As I don't want to do an IVA, I am left to face the DCA,s now. As all debts are dealt with DCA now and not the original creditors, I have sent CCA request to some DCA's. But there are few DCA's & barclays still threatening me to enfoce an exisisting CCJ or take me to court after all these years. Can they do it? Can a DCA still take me to court after 10years. Note debts are not statue barred bcoz i was paying all these years thru DMP. But my credit files cleared bcoz all default & CCJs are more than 6yrs now. Can my file be affected again by these DCA's??? where do i stand???
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