Thanks DX, no I haven't parted with any money.

Yes, I still have the car. Secure Trust was a fridge freezer from AO Ratesetter was a mobile phone from giff gaff. I'm confused as to why I need a CCA request, especially for those that have never fallen into arrears or have reverted back to interest terms.

As far as I know, yes, although I haven't received a deed of assignment (not that it makes any difference) I understand (and accept) that paying any of this debt off will still damage my credit rating until 6 years has passed. Is it fair to say though that if I show the letting agent that I have satisfied most of the debt they will look more favourably on letting me a property, because that is the crux of the matter. A quick question where I'm paying reduced payments does the debt come off my credit rating 6 years after default or still show because I am making repayments? In answer to Uncle Bulgaria Moneyway (Car Loan) £1043 £85 a month never in arrears Aqua (with Lowell) £3100 £15 a month defaulted Cap One (with Frederickson) £585 £2 a month defaulted Pounds to Pocket £343 no arrangement defaulted Ratesetter £159 No arrangement says up to date even though no payments for at least a year Secure Trust Bank £211 up to date but fell behind with payments for 3 months last year which they transferred to the end of the debt. EE Ltd £19 no arrangement Default (stupid on my part head was a shed last year should have just cleared it off) Cashplus £127 overdrawn shows late payment. (All defaults were between June and August last year.) Wifes Argos £1500 (with Moorcroft) £5 a month Creation £1200 (Direct) £8 a month but switching back to interest next month Littlewoods £1100 never in arrears Very £1200 never in arrears Ace £250 fell behind last year and restored interest when we were in a position to make normal monthly payments.

Lowell for the biggest credit card (3k) so I assume the Aqua have sold the debt. Fredicksons is likely a DCA so my approach (should I make one) would be to Cap One On my wifes' Creation, which will revert to standard terms next month, was paying them £8 a month, and dealt with them direct all the way through. Argos being dealt with by Moorcroft, and we're paying a minimal amount with no interest at the moment.

Thanks dx100k. The defaults are all around June to August last year. I was under the impression that having a debt showing satisfied (if paid off completely) or whatever they call it if you make a reduced offer of settlement that they agree to, would look more favourable than simply showing a debt in default. The biggest credit card debt is now with Lowell and the other one is with Frederiksons (Defaults Aug and June last year) On credit file they're showing as Lowell and Cap One. All I'm looking at is making my credit file look better when we move, but I accept that the history is there for 6 years.

I made arrangements with the £3k credit card to clear £15 a month and another credit card around £600 at £2 a month. There are about 5 other debts (largest £350) that I didn't make arrangements for but are showing on my credit file. I am not paying any interest at the moment. All my wife's debts are now being repaid at the normal interest rates bar two, which are on temporary no interest minimum arrangements. One of those ends this month so we'll go back to paying normal interest on that one. We can afford those repayments now where we couldn't before, It's takens us about 18 months to get back into this position.

At the beginning of last year, after my wife lost some disabilty benefits, we ended up getting into debt, mostly small but included a credit card just over £3k. My wife has since managed to get back on top with all but two, and I will shortly be in a position to clear most of mine, apart from the credit card. If I was to clear some of these debts by offering a settlement of (say) 50% and (say) offer a grand as settlement of the credit card would this be a detriment on my credit rating? We will be moving to private rented accommodation in September and want our credit rating to be as healthy as possible.