Hi MM, The DRO is being done through debt advice charity, StepChange (formally CCCS). I chose to go through with this method because I can't afford to repay all of my debts and being insolvent for 12 months is preferable to repaying token amounts for years and years to come. But also, I don't dispute any of my debts (barring the aforementioned KDS and Natwest) so I don't think I really have grounds to argue them. However, with regard to Credit Cards, I'm currently dealing with C1 trying to get a default removed by them. I can't post the thread here as my post count is too low, but it can be found in the C1 section.

Hi guys, Back in 2009 I defaulted on my Capital One account. It only had a limit of £100 but back in those days I used to pay it off in full each month. However, my hours were cut and so I started making smaller repayments. However, interest and charges sent the account overlimit and then overlimit fees + charges + interest led to the account falling into default. A short time later I paid off the debt in full (£192) and thought no more of it. However, reading this forum I have come to the belief that the default was solely to blame on the inclusion of charges & interest. So I have decided to look into this further. I posted a SAR to C1 Nottingham on 08/10/13 but checking the tracking number it says that the post is still working through their system. Is this normal? The address was to a PO Box in Nottingham... I'll update further to this initial enquiry when I have more details, but do you good folks think this has any legs?

Hi Linda, I can't really offer good advice to you because I'm currently fighting very similar problems myself. I too fell into the PDL trap and felt that my whole life was spiraling into chaos, but advice from this site helped me to regain control and get things back on track. Having read your posts I just wanted to pop a quick post up to say that even though it may not seem that way right now, there is always light at the end of the tunnel. You are not alone and the folks on here are amazing. Stay strong and best wishes

Hi MM, A quick update: Last week I emailed every single one of my defaults from all three credit files (turns out some show up on CallCredit but not on Experian and vice versa) in order to gain reference numbers / total amounts owing. Now a lot has happened and is in varying stages so I'll go through what I found step-by-step. 1, KDS Finance They have two accounts dating back to 2009 on my Experian report. They were paid off back in 2010, but for the past few years they have updated my file with two '6' marks, meaning the accounts are six months overdue. I emailed a complaint and demanded that these be repaired. I received an email at 4am Saturday morning from a manager stating that neither they nor Experian could find my file or the accounts in question. I replied back with my Experian reference and a question as to how they couldn't find the accounts seeing as they had both been updated as recently as 06/10/13! I am awaiting further reply. 2, Natwest On my Noddle file, a Natwest default for £789 appeared. Looking into it further I was alarmed that the default occurred from the account going overdrawn in 2012,after I had stopped using the account altogether in march 2011. Also, and most importantly, the address was down as Leicester, when I have always lived in Leeds. I contacted Natwest and they confirmed that they had no notes at all that I had communicated in any way to change the address. They could tell me that it had been updated in November 2011, 8 months after I had switched to another bank. However, in order to investigate further they had to recall my statements from their archive and that would take 5-10 days for them to get back to me. I'm still waiting. 3, Wonga I have just today emailed their complaints department as I requested the required details from their customer care channel. They replied with a generic email stating that I should call them. I replied stating that I would prefer to conduct our dealings via email or letter, not by telephone. I then received a reply stating that they had tried to call me without success so I escalated it to complaints and am waiting for a response. 4, BCW Group They emailed me 'in response to my query. And requested that I call them. I never contacted BCW and they left no clue as to who they were responding on behalf of. I emailed to ask them this question and as of yet have had no response. 5, Minicredit & Cash Converters Both replied with the details I required straight away with little or no fuss. 6, Lowell, MMF, ResolutionLS None of these have replied to my enquiries yet. So yeah, a bit of a mixed bag and some interesting things to get my teeth into. It looks like it's going to be a long hard slog but I am not going to get into telephone conversations with these people unless I absolutely have to. But Stepchange have been brilliant thus far with helping me out and getting my case ready to submit my DRO. I just have to keep at these companies to get the correct information from them at the moment.

Hi guys, I've just made the first steps to fixing my financial mess and am arranging a DRO. However, I need to arrange statements of each debt with account numbers and total amounts owing. Now after spending a while being chased by the delightful folks at companies like MMF, Red Castle, Fredricksons and Lowell, I previously changed my mobile number and requested that the ones I've been in contact with only contact me by email. However, now I need these statements I'm going to have to go to them, but I don't want to give these people my current address (and the endless stream of threatening junk mail to begin again) so my question is: Would emailed statements be acceptable as evidence in a debt relief order application? Thanks for any and all advice!