OK, this is my position with regards to my debt.
I presently have a number of credit cards and a loan which amount in total to £45k. The rough breakdown is as follows:-
Loan (Northern Rock) £19000
Credit Cards - Barclays Card - £14000
MBNA - £5400
Egg - £1600
Marbles - £4200
Now, I don't have any debt collection agencies chasing me for money as I have been fortunate enough to keep up my payments. HOWEVER, I am now working on a Commission basis and if I don't sell I don't earn, thus my debts will suffer.
My question really is whether I can take advantage of the Pre April 2007 unenforceable issue that has been making headlines recently as three of my debts qualify.
Secondly, if I do have a case, how do I go about it? Are their certain letters I can use that are on this forum to begin my quest?
Finally, is my case different to those who have DCA's chasing them, whereas I do not?
I look forward to your response guys & might I say this is the most helpful forum I have come across in a long time.
I presently have a number of credit cards and a loan which amount in total to £45k. The rough breakdown is as follows:-
Loan (Northern Rock) £19000
Credit Cards - Barclays Card - £14000
MBNA - £5400
Egg - £1600
Marbles - £4200
Now, I don't have any debt collection agencies chasing me for money as I have been fortunate enough to keep up my payments. HOWEVER, I am now working on a Commission basis and if I don't sell I don't earn, thus my debts will suffer.
My question really is whether I can take advantage of the Pre April 2007 unenforceable issue that has been making headlines recently as three of my debts qualify.
Secondly, if I do have a case, how do I go about it? Are their certain letters I can use that are on this forum to begin my quest?
Finally, is my case different to those who have DCA's chasing them, whereas I do not?
I look forward to your response guys & might I say this is the most helpful forum I have come across in a long time.
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