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OK, so a while back I was all revved up to get my finances in order, get the bank charges refunded and defaults removed from my credit file. It took ages, I had a lot going on and unfortunately it all died down and I gave up. Now I am back and want to see it all the way through. I have 10+ defaults on my credit file. From £1000+ overdrafts unpaid, to a default on £36 for a monthly SIM only contract that was cancelled after the first month and apparently never paid off. I thought I might just wait for them to drop off as I have not been contacted by anyone for a while, apart from Debt Collectors letters/threats which I ignore. I presume a lot has changed over the last few years, so my question is, is there still anything I can do, or do we consumers no longer have a leg to stand on since all the excitement a few years ago when this all kicked off?