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Hi There

 

When I was in College I struggled with money. I went to college in Edinburgh and my rent and monthly bills were very high. During that time I took out a lot of payday loans and mobile phone contracts so I could sell the phone for money to live. I also did this recently with a couple of payday loans, a credit card and another mobile phone which I sold for money to get to work. I did this recently as my hours at work were slashed in half. I also have an overdraft debt with my bank but I have a payment scheme set up with them for this. the thing is Now I am getting on a bit of a better financial standing and I want to get my credit file sorted to eventually get a mortgage with my girlfriend. the thing is I havent a clue how many companies I owe to and how much I owe. I have tried to access my credit file online but for some reason they can never seem to get my credit file. Is there another way I can access all my creditors? From off the top of my head I would say I owe around 10 to 11 thousand but it could be well more with all the charges and late payment fees. Any help and advice you have would be much appreciated. I cant sleep at nights thinking about it and have a constant feeling of dredd in the pit of my stomach. I will have to tell my partner about this eventually but I want to at least have a get out plan in place before I tell her the full extent of my debt.

Thanks for taking the time to read this.

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If they cannot locate your details online then I would wrote to them to request a copy of your credit file

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