Ha, In all fairness i see you point but all the letters are going to my parents address despite being told I was no longer living in the country, and its not really fair on my parents.

If I contact 1st credit and request a breakdown of the accounts are they obligated to give them to me? Also is it possible to have the fees removed and simply pay the principal, wouldn't want give them any free money either. Or finally how about paying them slightly more than they paid for the debt (if they will tell me) ? cheers

Thanks for the information. So payment makes no difference to my credit file, is there anything that can be done to improve my position or do I simply have to wait it out. I have read about CCA requests but information as to whether they apply to overdrafts seem vary from forum to forum. Do you know the definitive position on this issue? Thanks in advance for your help.

Hi, this is my first time using the site and I am slightly confused by information seen on here and on other forums. A few years ago while at Uni I had 1 current account and 1 student account both having overdrafts. After uni I went abroad to work for a NGO thinking I would only be there 6 months, but six month became 5 years. I have recently returned home to find that my accounts are default (my fault, forgot about them while living abroad) and both debts have been sold on to a debt collection agency (1st credit). Now i'm back home really want to start looking at buying a house with my brother but my credit file is messed up (his is perfect). I would like to clear off these debts so they are marked as fully settled but have limited funds with which to do so, the debts are as follows: 1st credit - £1572.86 - (originally with lloyds bank plc) - defaulted 23/11/2012 1st credit - £750.00 - (originally with halifax bank) - defaulted 06/04/2011 I have about £750 to service these debts, but not sure how to go about making the offer so that it will marked as fully settled. Any advice anyone could give would be very much appreciated.