Repaid Debt Over 6 Years

I entered a debt management plan after i fell behind on my repayments to credit cards and a loan, due to an illness which stopped me working. My illness meant i was unfit to work for at least 6 months, even though I received some health benefits they weren’t enough to cover my expenses. My debts gradually got larger and larger until my creditors were threatening to take legal action against me and even sent bailiffs to my door. I tried to negotiate with them and explained my situation however…

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