Hi all, I am new to this site and have been looking through lots of threads which have been really useful but thought I'd post my current issues. My partner and I have recently signed up to Experian and Call credit to see our credit reports and we've vowed to clear up our debts. My report currently shows 3 defaults - it is probably worth noting that the reason behind these was my partner had a motorcycle accident on boxing day 2013 and was unable to work for over 3 months so we had to try to manage on my income and a bit of SSP for him. Obviously, keeping a roof over our heads was priority and I let a few payments slip and have been trying to catch up ever since. Default 1 - Capital One Credit Card £373- passed to Frederickson Int and I have received a letter advising they will offer a discount to settle (no figure mentioned) however the default will only show as partial settlement. Should I accept this (obviously dependent upon figure) or should I try to negotiate. Default 2 - Virgin Mobile - £225 - passed to Moorcroft and I am literally being hounded left right and centre - offered a payment plan of £20 a month which is manageable but I am wondering if it is worth trying to ask for a full and final settlement on this. If so what would be a reasonable starting point and I welcome any advice on how to go about this. Default 3 - Provident - £575.00 - passed to Moorcroft and again I'm being hounded. no offers made yet but I am wondering whether to query my agreement on this. Firstly, I was offered no cooling off period on this agreement, in fact, the day I was given the loan the collector also took money out of it towards my first payment - is this normal? Also, I have not had any correspondence what so ever from Provident the first chase of the debt was Moorcroft. Another funny piece of the puzzle to this, I was called by my collector one day to say she was coming to collect in 30 minutes, I was actually at a friends house and she asked for the address and collected from me at my friends (I was a bit naïve on the phone and was told that I had to pay on that day or it would be passed to debt collectors so I gave her the address.) Now on my credit report, provident have added my friends address as a linked address. I have now made myself a stringent budget to allow more funds to try and clear these quicker but I welcome any advice anyone may have. On another note, my partners credit report is perfect apart from two mail order catalogue accounts that have defaulted - these accounts were opened a few years ago by his mother who has set up a payment plan with a DCA however we wondered if it is at all possible to advise the creditor of the situation and ask them to move the account to his mum's name. Whilst he is obviously cross about this, it is not something he wants to report to the police but the amounts mount to £1800 total and through the payment plan set up will take year (and more years!) to clear.