Thank you dx100, much appreciated.

Hey brig, one quick question .... if I send off the CCA's will it not restart the whole "6 year" process again? Thank you for your help again, Cheers, Matt.

Thank you brig, I will get those CCA's sent off ASAP. I won't touch the others. I have just sent off the inquiry relating to the vodafone account, and have been a reference of #11647748. Thank you, and Lee, for all your help so far.

Any more thoughts Brig?

Thank you Brig.

Thank you for the welcome Brigadier. Here is the info I think you are after: Debt 1: Lender/Type = Santander unsecured loan (no DCA involved) Balance = £1,779 Defaulted = 03/02/2010 Debt 2: Lender/Type = Natwest unsecured loan (no DCA involved) Balance = £5,497 Defaulted = 02/01/2010 Debt 3: Lender/Type = Natwest bank current account (no DCA involved) Balance = £1,344 Defaulted = 30/11/2009 Debt 4: Lender/Type = Barclaycard (shows default satisfied??) I believe Lowell Portfolio are involved Balance = £941 Defaulted = 29/04/2010 Debt 5: Lender/Type = Crazy clearance mail order catalogue (no DCA involved) Balance = £136 Defaulted = 04/05/2009 Debt 6: Lender/Type = Capital one credit card DCA involved = Cabot financial Balance = £361 Defaulted = 22/01/2010 Last contacted = 19/06/2013 (via email, they responded by saying they could only deal with me by phone, and that I should ring them .... I was stupid) Debt 7: Lender/Type = Vodafone or Orange mobile contract DCA involved = Capquest Balance = £148 Defaulted = 05/08/2009Last contacted = 19/06/2013 (via email, no response yet.... I was stupid) Debt 8: Lender/Type = Vodafone or Orange mobile contract DCA involved = Capquest Balance = £142 Defaulted = 06/07/2009Last contacted = 19/06/2013 (Same email as above) Debt 9: Lender/Type = Vodafone or Orange mobile contract DCA involved = Capquest Balance = £135 Defaulted = 10/10/2009Last contacted = 19/06/2013 (Same email as above) I have 3 more reports, which are all "Satisfactory" with "£0 balance". These are my current accounts (with Nationwide & Lloyds) and a Virgin media contract (Land line, TV & internet) .... however I don't pay for the later. I hope this helps, Cheers, Matt.

Good afternoon everyone, I have come here seeking advice to guide me for the future. I've just, very recently, come to the decision that I want to save for a house. I'm now saving, and hope to have enough money for a deposit in 6-8 years time. However, my past haunts me, and I'm lost as to what the best options would be to go about accomplishing my dream. I have obtained my credit rating from Experian, which at the present time is 712 (poor). I have many defaults against my name. This was due to not being able to meet my financial obligations because of losing my job and illness (resulting in me not being able to secure a new job for a while). I have an overview of my history, but I'm not allowed to insert an image, or post a link yet, which is unfortunate because I believe it would help no end. i.imgur.com/WAltepx.png I want to know if it's best for me to leave these be, or start paying them back???? I, foolishly, contacted 4 of them yesterday, via email, without seeking guidance first .... still yet to hear back from them. I will be extremely greatful for any, and all, help that's offered. Kind regards, Matt.