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Took out a loan back in oct 2008 for £2000 and defaulted in may 2009 due to losing my job. After moving around alot stay with friend family etc. Finally got sorted with a secured job only 30 hrs a week though. Now i want to get this problem sorted. I've tried to find the orginal loan docs, but must have been misplaced when moving around. The current balance as it stands on my credit file is £5074. Where do i go from here any help would be great thanks.

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Most definately have PPI as they told me, I had to take it out to get the loan. I recieved a letter from Direct Legal Collections yesterday saying that i owe £3687.67 and to pay now before they take court action. So would the £5174 on my credit be made up of charges. Do I Sar them first then offer a reduced montly payment which I can afford.

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