and another point all my credit was applied for online I have never signed for anything in branch.

sorry the credit card was taken out in 2013 the loan in 2017, the RBS overdraft, lending stream one of the barclaycards were taken out in 2018, I also had quickquid and safetynet credit but they have gone into administration so have not bothered with them.

Moorcrofts clients are Very and 02 Wescots client is RBS I said before about I thought it would improve my credit, but obviously that is not the case, and when I want to get a private rented property (I am currently living with parents) but I believe this is not the case and there chance of taking me to court is slim to none it seems?

PRA Group-Halifax Moorcroft-Very Link Financial-Halifax Loans PRA Group Barclaycard Wescot RBS Overdraft Moorcroft 02 Link Financial Lending Stream PRA Group Halifax Overdrafts Lantern-Lending Stream Total debt is £16,000

I am not sure regarding my credit file, at the time I know I had quite a lot of credit and it get a lot worse when I moved into a private rented house on my own, I had taken out payday loans with lending stream and other providers and Halifax gave me money transfers off my credit card, with regards to the DMP, I thought it would be better for my credit file in case I wanted to get a mortgage in the future, but I do not believe that to be the case anymore.

Hello, I have just joined, my main reason for joining is in 2017 I took out a £5000 loan with Halifax, and I believe it was loaned to me irresponsibly, I was on a zero hour contract job at the time, and then around a month later I split up with my partner, to my knowledge, I have paid back over £5000 but I still owe around £4500, and I had a Halifax credit card with them which I owed over £5000 on they are now on a stepchange debt management plan, but I now want to start making a complaint to them, my account was sold to PRA group, so I am wondering to I DSAR Halifax and PRA group? Thank you