But the default states Arrow global and Link financial respectively - I also can't recall receiving a default notice off either of these companies. Should I submit a subject access request to find out if they did issue a 87/8 default notice?

After a somewhat chaotic couple of years of drowning in debt I'm in a good job, sticking to a monthly budget and would love to buy a house in the next year. The issue however is my credit file and old debt. Back in 2016/17 I experienced a period of ill health which saw me lose my job and fall behind with credit card and catalogue debts. I set up temporary arrangements with the majority of the creditors to pay £1 a month as this was all I could afford and I struggled to deal with communication with any of them. Most of the creditors defaulted me in Sept-Nov 2017 and sold the debts to debt collection agencies but there are 3 exceptions: 1. Newday Aqua Card - they kept the debt for 2years with me paying £1 a month and then suddenly closed my account and sold it to Link financial who entered a default in August 2019. I have only ever made £1 payments to Link financial and they have never pursued more. I'm thinking of submitting an irresponsible lending claim to Aqua as they increased my credit limit numerous times even though i was paying minimum payments and taking out payday loans - is this something I can do? 2. Vanquis Card - was paying £1 a month and then they suddenly closed and sold my account to arrow global who then defaulted me May 2021 . Since the debt has gone to Arrow I have made no payments, they send statements every couple of months but that is it. This is the default that is hurting me the most. The balance is £2,700 should i offer a full and final settlement or challenge the default?? 3. Creation Finance Credit Card - No default entered and still with original creditor they just keep marking credit file as 5 months overdue - I pay them £5 a month with a balance of £500 - i'm thinking of offering a Full and final settlement to them. For the defaults entered in 2017 will they fall off my credit file this year even if there is a balance with the debt collection company? Any advice would be great and I'd be so thankful