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Hi, i have been making token payments to my debts of which i have 8 of them ranging from £396 to £5522 for credit cards . Most are defaults and i have 2 ccj's and i am blacklisted, and these came about after being unemployed for a short time, but i have been in full employment for years now. Not all of the debts show up on Equifax. I have been paying £1.00 a month for years on the advice from a few debt agencies. I don't know how many years i have been paying £1.00 a month, but some are 5-6 years or more. Every now and then they ask for incomings and outgoings and i end up still paying £1.00 a month. Most of the debts end up moving companies quite often, they get sold to other companies who take over the debt. My credit score with Clear Score is 280. I do not want to have an iva to pay them off.
Can any of the debts be wiped out after 6 years.

Thanks for reading this.
Dealing with Debt / I am Wrateeesa from Lithuania
« Last post by warteeeesa on Mar 05, 2019, 10:12:06 AM »
Hi :-). I am Wrateeeesa.
I am new on this site.
Bankruptcy / Bankruptcy & Starting A New Business
« Last post by Lara Croft on Mar 03, 2019, 06:41:27 PM »
Hi,[/font][/size]I'm on here because I can't believe how hard it is to find the answer to what I believe is a straight forward simple question and it's getting me down a bit [/size]I am on Income Related ESA and my future situation isn't likely to change.I have debts totalling £27000 across 6 creditors and I'm about to offer them all a settlement figure of 15% of their associated proportionate debt out of a pot of £4000.[/size]If they don't go for it, I will have no other choice than to go bankrupt.[/size]My question is, if I go bankrupt and then choose to get myself back in to work by becoming self employed, how will that choice be affected if I do it during the 12mth period following on from when my bankruptcy application is granted ?[/size]Many thanks in advance and I hope someone can help me. [/size]
Dealing with Debt / ????? ?????? ?????... ?????, ???????? ?????
« Last post by imalyugin5l on Mar 02, 2019, 05:40:32 PM »
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Dealing with Debt / using a friend's address
« Last post by pickledpepper on Feb 27, 2019, 01:35:23 PM »
What are the implications of using somebody else's address to get around bailiffs eg. PCNs CCJs and so on.
Can tenant/owner of house used by debtor simply state that address is used exclusively for receiving mail
and that debtor does not live there and has no belongings/assets or interest in the property at said address

The family of a man who spent the last 18 months of his life fighting a decision that he was fit to work has won his case – seven months after he died.Jeff Hayward, from Clitheroe, Lancashire, was 52 when he died of a heart attack in June last year, two weeks before he was due to go to a disability benefit appeal tribunal.
The father-of-two and grandfather had cellulitis – a painful bacterial skin infection – on his legs and his GP deemed him unfit to work. Nevertheless, in November 2016, after losing his job of more than 25 years, he was refused employment support allowance (ESA) after a health assessor awarded him no disability points.
Bankruptcy / Re: General bankruptcy questions
« Last post by Chicalabear on Jan 17, 2019, 08:28:23 PM »
Is anyone able to reply and help me?
Bankruptcy / General bankruptcy questions
« Last post by Chicalabear on Jan 17, 2019, 06:10:44 PM »
I am have done a lot of research on bankruptcy as I feel this is my only option left.
I have no assets and don't own my home.
Just my main question is how do they work out the monthly payment plan? When I have asked step change they told me I will be left with £0 for the month and every penny will go to them. At the moment for the month I am currently left with £120. Will they take that all ?
Bankruptcy / Bankruptcy Questions
« Last post by Warnerged on Jan 17, 2019, 11:30:11 AM »
I can understand the wife having to declare her assets, because otherwise he could have put stuff into her name just to keep it.

Im sure Ive missed a lot of this story, because the last time I heard of that Platt, I think we were only theorising he might have been Canadian?  Its good to see it confirmed by that mention of Ontario.
Dealing with Debt / Max Recovery Incorrect Default Date
« Last post by Warnerged on Jan 16, 2019, 09:18:13 AM »
Dont forget that the EU,ECB and Germany have to share a large part of the blame also. Where was the oversight?
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