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Seeking Advice Regarding Unenforceable Debts and next steps
Hi everyone,
Long story short, I ended up in a pretty tough spot with 5 CCs and a repayment to my ex-employer for training fees and relocation support fees leaving me heavily in debt (£15k to my ex-employer and £25k to creditors). Bankruptcy is/was not an option due to my line of work.
I defaulted on 4 of those CCs.
I later received letters from Link Financial and PRA stating that they now owned the debts (the amounts owed were slightly lower than the amount owed to the original creditor), the letters had NoA attached as well (this was all sent as regular post, not tracked/recorded/signed for).
I sent a CCA s77-79 for each of these CC debts and have received two responses stating the debts are unenforceable, as they have no proof of the CCAs. I am awaiting responses for the other two (12 days have passed).
So my question is, as the NoAs were not delivered correctly, I haven't acknowledged receiving them and the two debts are unenforceable can I request the defaults be removed for those two debts?
If not, what are my next steps?
To clarify all of the debts along with the ex-employer debt are in a DMP managed by StepChange, who automatically changed the owner of the debts to Link Financial and PRA.
I would like to try to focus on paying down the debt with ex-employer and the last CC still with the original creditor if possible.
Thanks in advance,
EM
Long story short, I ended up in a pretty tough spot with 5 CCs and a repayment to my ex-employer for training fees and relocation support fees leaving me heavily in debt (£15k to my ex-employer and £25k to creditors). Bankruptcy is/was not an option due to my line of work.
I defaulted on 4 of those CCs.
I later received letters from Link Financial and PRA stating that they now owned the debts (the amounts owed were slightly lower than the amount owed to the original creditor), the letters had NoA attached as well (this was all sent as regular post, not tracked/recorded/signed for).
I sent a CCA s77-79 for each of these CC debts and have received two responses stating the debts are unenforceable, as they have no proof of the CCAs. I am awaiting responses for the other two (12 days have passed).
So my question is, as the NoAs were not delivered correctly, I haven't acknowledged receiving them and the two debts are unenforceable can I request the defaults be removed for those two debts?
If not, what are my next steps?
To clarify all of the debts along with the ex-employer debt are in a DMP managed by StepChange, who automatically changed the owner of the debts to Link Financial and PRA.
I would like to try to focus on paying down the debt with ex-employer and the last CC still with the original creditor if possible.
Thanks in advance,
EM
