Ontheball
Well-Known Member
never payed a fucking penny mate , Cab near me is full of chavs that think straightening their hair and sitting at a desk makes them intelligent so ive avoided it like the plague might go visit one near my old dears or something.As long as u have made no payment or admitted the debt in writing in 6years(5 years in Scotland) the debt becomes stat barred. The debt still exists but its off your credit file. All u need to do is tell them its stat barred. Its the limitations act 1980 section 5. If they put a CCJ/Decree then your fucked coz they last 20 years. Its about £600 to go bankrupt. If your debts are under 15k and you have no assets you can go for a DRO(debt releif order), costs about £99. In Scotland you can apply for a low income, low asset bankruptcy which costs about £100. They are charities out there that help raise the fee to go bankrupt though. CAB will point in the right direction but they are well stupid at CAB. Dont know their ass from their elbow. All guys on here is u need help, u know its all pro bono