natwest account is an unarranged overdraft and lowell accounts are mobile contracts

I have lived in various student accommodations and had not received all the necessary information relating to them, but they are debts I am liable for. Two of the Lowell accounts were only just assigned to them and from my credit report I believe the other Lowell account has been with them since last year. The natwest account sent a formal demand and I immediately followed this up with a response but i received no further communications, which I suspect is down to various location moves. At the time moorcroft sent me a letter but I wrote back stating the account was still in dispute. This recent letter was from Capquest (my mistake), who are saying they have been asked to consider legal action, turns out a spate of voicemails left by a company called dvsl were actually them. However my credit report shows the default under NwB current accounts. No payments have been made to any of the accounts. I am in my final year as a student and looking to get a job after graduation, so I am not sure a debt relief order is the best route.

Hi, Due to bad errors in judgement, I have accrued 4 defaults on my credit file which I have recently been made aware of, 3 defaults (700+, 500+ and 500+) are from Lowell dating back to 1/2012 and the other default is with Natwest (11K+), 12/2011. I have come to realise that I am fully liable for these debts and wish only to sort out the issues now rather than later. I see various posts saying to avoid communication with DCAs but if it is my debt, I do not see what other options I have... The natwest default has been passed to moorcroft, who recently sent a letter to my parents address saying they have been asked by Natwest to consider legal action and I can only assume Lowell would have sent the same threatening letters. It is bad enough there are defaults on my credit history, so now I need advice in attempting to negotiate settlements with these companies. I initially drafted up letters to the original credit suppliers but would I be right in assuming they would only redirect me back to the DCAs and would not even accept a final settlement, only the full amounts owed... I am a student with no other income but student loans at the minute and this issue has been affecting me hard the last couple of days. If any template letters to arrange final settlements with the DCAs could be supplied, I would aim to take this action and hopefully rid myself of all the grief they are giving me. If anyone could advice on the defaults on my credit file as well, as they are constantly being updated with the default balance every month and although I can manage it being on file for the next 5 years, would be grateful if there was a way of getting it removed. Please help. Thanks