They will default me from friday as that’s when month 4 payments are due. Hope this makes sense? I’ve not had any communication from any one of the companies I have been defaulted. I can see from my credit file I have a default on the Zopa loan, the default was applied after three missed payments (almost two years ago) The credit file has me down for three missed payments each on the Three account and the Aqua credit card account.

I can only see the default notice on my credit report. I have no notice from zopa aprt from it being in my credit file. They are after the 5K outstanding and every month the file gets market default. They have said I can settle the account for £2.5K in a recent email. Do you want me to scan the Credit report? The Three (mobile) missed payments are really confusing as I had finished the contract and got a new mobile contract with Vodafone. I’m going to phone three tomorrow and find out why payment they are on about but looks like it’s been sold to some debt company as they keep emailing me now

I have one default and have until Friday before they default me on the other two.... so am I best saving myself from myself! As in pay off the credit card and phone and don’t pay off Zopa? Because the I have four years of defaults left not 6 if I get new defaults again (hope this makes sense?)

I phoned Zopa not the DCA - I only found out from my call with Zopa they were managing the account- she said they had not sold my debt. Aqua is with newday finance. The last three payments have been late

Zopa for the loan but they have asked CRS to manage it when I spoke with th yesterday. Aqua own the credit card debt, I can clear that bill too but don’t know what to do for the best. The Zopa default is nearly two years old now

Zopa is the loan Aqua is the credit card So advice is to pay none of these lenders back becuase it wont sort out my credit any quicker? Thats so crap!

There is no point in paying back any of the debts or just not paying back the defaulted one? Is your advice to repay credit card and the Three phone bill (I really dont believe I owe this money). It seems mad that they would rather punish you then accept their money in a win win suitaution for all concerned! Also, can anyone please advise what the process a company should go through before regestering a default againt you?

Hello After a period of ill health I am finally back to work. I checked my credit history which is so shocking. i have 1 x default June 2016 for £5K (company offering to settle for 2.5 K - should I settle and what difference will it make). I have four missed payments on my credit card and its maxed to £3500 - again should I pay and clear the whole bill now and request they remove the missed payments from my account? how do I convince them to do this as a gesture of good will? I have also got a 3 x missed payments for a phone Three - I closed the account and genuinely dont know why they are marking this against my file - again should I just pay this and request they remove the marks as a gesture of good will? My parents have offered me money to clear all of the above debts. Will doing so improve my credit score? and how quick will that happen? I am hoping to get a morgage in the next couple of years. Many thanks