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Defaults on credit file

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Hi there. I have 9 defaults on my credit file. 2 of which i have made an arrangement so am keeping up with payments.


5 of which are to do with mobile phone bills i think. 1 of which defaulted in 29/06/04 and no-one has contacted me regarding this. what should or can i do about this? if i ignore it for another 2years will it be removed off my file?


the other 4 are from last year. is there anyway that i can get away with not paying.as they are small amounts.


another is TSB bank where most of the charges are late payment charges

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Have you reclaimed your charges? Defaults imposed on amounts that included charges can be contested.


Have a look at this thread here.


As a general rule, defaults stay on your file for 6 years.

I'm midway through the tunnel, but getting closer to the light.




Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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hi. 2 of the defaults is for B&Q card account.am not sure what charges are put on there. is there anyway i can check. can i get the debt agency to send me a breakdown

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