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Hi everyone, I am a new member. My other half has a good chunk of debt and he has buried his head for a long time so it has built up - it causes him a lot of anxiety even thinking about it. I am trying to fix things but it feels a little like putting out lots of fires all at once. I am very new to all this but have got a lot of info from here which has been really useful. I have two initial questions but may well need to seek advice from all your knowledge again in future!
We have made a full and final settlement offer and have been sent back an email as follow:
"Your current balance is ***
*Our settlement offer is ***, and you have offered *** to close the account.
We are willing to accept a one off special offer of *** on *** to close the account."
We want to accept this but I'm not sure if it is official enough as confirmation. I would prefer a formal letter. Is this enough or should I repeat my request that they confirm that they will not take any other action to collect or enforce this debt, that he will be released from any liability and that they will mark my credit reference agency file to show that the above account has been paid and closed (letter sourced from National Debtline).
My other question concerns a CCJ - he was not aware it existed. It is from 2017 and went to an old address. We don't even have the judgement or anything - but Northampton Court say it is MMF. They now seem to have been taken over by another debt collection agency (Lantern). No follow up contact has been made by them in terms of enforcing it recently but he did pay off another debt last year - and this was chased up by bailiffs so he *might* have paid it. But he's messed up and doesn't remember which agency he paid and has lost the receipt. Is the only way to find out if this debt was paid to ring the DCA themselves and ask - feel sure they will just say it hasn't been paid but we don't want to pay something that has already been paid!! It appears on his credit reference check it appears as a CCJ but not as a separate debt/default (which seems odd but perhaps that's normal).
Would appreciate some advice as a bit out of my depth! Thanks so much.
We have made a full and final settlement offer and have been sent back an email as follow:
"Your current balance is ***
*Our settlement offer is ***, and you have offered *** to close the account.
We are willing to accept a one off special offer of *** on *** to close the account."
We want to accept this but I'm not sure if it is official enough as confirmation. I would prefer a formal letter. Is this enough or should I repeat my request that they confirm that they will not take any other action to collect or enforce this debt, that he will be released from any liability and that they will mark my credit reference agency file to show that the above account has been paid and closed (letter sourced from National Debtline).
My other question concerns a CCJ - he was not aware it existed. It is from 2017 and went to an old address. We don't even have the judgement or anything - but Northampton Court say it is MMF. They now seem to have been taken over by another debt collection agency (Lantern). No follow up contact has been made by them in terms of enforcing it recently but he did pay off another debt last year - and this was chased up by bailiffs so he *might* have paid it. But he's messed up and doesn't remember which agency he paid and has lost the receipt. Is the only way to find out if this debt was paid to ring the DCA themselves and ask - feel sure they will just say it hasn't been paid but we don't want to pay something that has already been paid!! It appears on his credit reference check it appears as a CCJ but not as a separate debt/default (which seems odd but perhaps that's normal).
Would appreciate some advice as a bit out of my depth! Thanks so much.
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