Hey... I was defaulted in 2012 for 4 separate credit cards. I made agreements to pay a certain amount each month with them all (albeit not a lot). One is with Capital One, I continue to pay directly to them as they never transferred the debt.
The others was transferred to PRA; 2 x MNBA these was defaulted in 2012 so no longer show on my credit file. The 3rd one originally with Barclays was defaulted in 2016, so is still on my credit file. I have never missed a payment in the 6+ years the agreements was made.
My husband has been made redundant, he will be entitled t