oh yeh and no one is chasing the remaining balance on the partially settled accounts .!

well im not sure.. tbh. HSBC was a loan i got out and gave to my friend when he was in trouble... he decided to no longer pay it back (im a mug i know). Santander i think i refused to pay their daily O/D charges and it defaulted. Co-Op was similar situation to Santander. Lowell is for a phone bill with 3 that i have NO RECOLLECTIOn of having.. was a long time ago. 1st credit was for a credit card from over 10 years ago!!! (again no memory)...

hello thank you so much for reply.. my default dates: HSBC 16/08/2011 SANTANDER 1/6/2009 (partial settled) CO OP 21/7/2010 LOWELL 8/8/2008 ARROW GLOBAL 29/9/2009 1st CREDIT 12/1/2011 (partial settled) do you think my credit is ruined? i don't know what to do. some forums say don't pay off defaults. confused!!!

thank you very much!

hi guys!! i have SIX defaults and have recently settled two of them on partial setllements... i now realise this was a complete mistake!! ( i think?). i want to get a mortgage this year... but with my credit file in the mess it's in, it's unlikely. i have been offered more partial settlements... should i pay them? my goal is to remove the defaults. where do i begin? thanks .. any help really appreciated! HSBC BRANCH BANKIN... Current Account Satisfactory £0 HSBC BRANCH BANKIN... Loan 2 payments late Settled HSBC BRANCH BANKIN... Loan Default £6,675 EGG BANKING PLC Loan Satisfactory Settled SANTANDER CURRENT ... Current Account Default Satisfied CO-OPERATIVE BANK ... Current Account Default £852 LOWELL PORTFOLIO I... Communications Default £367 ARROW GLOBAL LIMIT... Credit card / S... Default £949 APS - CASHPLUS Loan Satisfactory £49 1ST CREDIT LIMITED Credit card / S... Default Satisfied