Hello, I'm looking for a bit of advice regarding 2x defaulted accounts then have been passed to 2 different DCA's. The first one is a Natwest Gold Credit card, the balance stands at approx £1000 now after paying Triton Credit Services for a few months, then it got passed to Moorcroft after missing a month. I have been paying between £30-£50 a month on this. The second is an Orange mobile contract passed to Direct Legal and Collections, the balance stands at £500.00 approx. I have been paying £30 a month on this. On these accounts, the damage has already been done to my credit file. I could do with putting the money towards other good debts that are on up to date each month. I am due a hefty bonus and Christmas which will stand me in a good place. What are the chances of these companies taking me to court if I offer them £5 per month until the end of the year? I can afford to pay them what I am doing but could put it towards other debts that are in good health and gives me the chance to clear them fast. Hope you can give me advice. Thanks