Hi,
I’m just over 5 years into my debt management plan and have paid 1/3 off, after all my debts were sold to debt management companies.
I currently owe £30k, mainly to just PRA group, but having read some advice, I asked for the CCA’s. In reply, PRA group have confirmed none of my debts are enforceable.
Please could you advise my best next step? I am considering now ending my DMP and offering 5% to clear the amounts once and for all. Given I’m only 10-12 months away from 6 years, most credit companies won’t be able to see them? I haven’t missed a payment in 4.5 years 🙂
