New to the forum
but have reading through a lot of related threads
and now i'm a little confused as what action to take
(if any next).
I have spend the last couple of years fixing my shambolic credit history,
got myself into a right state back in 2010/2011 with debt totalling around £12k with various creditors,
defaulted on everything and avoided by ignoring letters/moving, etc.
Over the last 2 years I have been tackling them one by one arranging settlements and have a single creditor left totalling just over £4k.
This debt is related to a Bill of Sale Agr