You're more than welcome Nicky.

Thanks for the thanks.!

Thanks for your advice!

1) If you are able to it would be better to cut out the slack middlemen and negotiate repayments directly with each creditor. That way ALL the money you pay goes towards clearing your debt and on time, thus reducing the risk of credit damage.

2) If you have been paying anything towards these debts then you have acknowledged them, hence they have not become statute barred. Unless there has been a gap of at least Six years of none contribution or acknowledgement... the debts are still legally enforceable, therefore maintain payments.

Hi

Two questions!

I have current debts which I am paying via Churchwood Finance: I am wondering if I should now look at paying these direct with the companies myself as Churchwood appear to be behind in my payments - is this a good idea or should I speak to Churchwood about being behind? (it came to light when I requested an Experian credit report and they seem to be permanently behind on one of the debts by 2 months). Should I tackle each one alone direct with the relevant companies or stay with Churchwood?

The other question I have is that I have really old debts (up to and over 10 years old) which I am paying minimal amounts off to debt collection agencies - however these debts are not on my credit report at all? Should I pay them or not? I've read about this statute debt time etc.. but am unsure as to whether I am liable as I am paying them now (albeit £5 or £10 per month).

Any advice welcome as I am confused as to which way to go on this. Either way I am trying to clear up my credit report but dont want to make it worse!

Thanks

Nicky