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Good afternoon A few years ago to cut a long story short I developed a gambling issue and became silly with payday loans. In the midst of that I took out a minicredit loan for £200, it became £1,100 with opos. They were calling me and harassing me constantly. No chance I were paying them that bac ad I have no trace of the loan other than whats on my nodde report. There is a balance on there from Kapama ltd and I just want rid of it & start the credit history from scratch. Any advice on how I could tackle this people, any input would be greatly appreciated I just want it gone & if these lowlives think im paying them at all they have seriously got another thing coming!!!!!! Could do with some advice now I'm considering getting a letter sent of to them in the hopes of getting it wiped off but it needs to go!!! Also on my noddle report my electoral record hasn't been updated yet.