Hi The loan was taken out 31/01/2008 no PPI im afraid. I'll shall get the CCA request done now, sorry to ask but what does this letter aim to achieve exactly? Right my default date on this is 09/03/2011 which would mean 2017 before anything good happens on my file as i haven't acknowledged the debt since it originally defaulted, But if i set up a payment system for this or sort out F+F will that date still be relevant? ie i have a default jan 2015 according to my report because i would have started paying would my last default be 2015 or 2011?

Hi everyone Really sorry but i have no idea about all this stuff and find it hard to talk about but here goes Im currently looking to sort out some old debts that sadly i have just tried to forget about and basically ignore, but recent events have made me sit up a think Received a letter of claim and court paper from Bryan carter at the beginning of the year, confused tried to seek help but didn't know where to start so ended up phoning them and paying it! the original debt was a overdraft that Lowell claimed was £205 after my phone call i had paid £297.19 with court fees added to stop CCJ - the phone call was so stressful i just wanted it to stop luckily i had been saving so i could pay but the savings were for other debts too. Anyway thats all water under the bridge but i don't ever want that situation happening again so i'm going to be pro active from now on with hopefully the help of everyone here. Me and my husbands both have debts but for now i just was to speak about my debts as its just too much to take in (sorry im not too good at this am i) then hopefully learn as i go and deal with the later myself.. So i have looked at my credit file and here's the info lowell (barclays) overdraft £1978 defaulted 27/08/2010 Santander (is with DCA but not on credit file) loan £3203 defaulted 09/03/2011 Now whats my first steps to deal with these before they pull the court letter? i know i can CCA the loan but i'm confused as to why its still with santander on my credit file? another question regarding my credit file will it get better once i start paying or once the debt is off? thank you