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Hello Everyone

 

After looking through the site for a long time and learning a lot I really wan to try and sort things out but get confused about the best action to take and which things i need to do and how so any help would be greatly appreciated, my credit file is a complete mess and i just want to get everything clear so i can try and get everything back in order.

 

My file currently looks like this

 

Candid Collections (Simply Be) Defaulted Current Balance £232 Credit Limit £125

Natwest Satisfactory Current Balance £496 Credit Limit £1000

Lowell Portfollio Ltd Defaulted Current Balance £578 Default Balance £446

Lowell Portfollio Ltd Defaulted Current Balance £497 Default Balance £318

Wonga Defaulted Current Balance £1071 Default Balance £1061 Origional Debt £436

JD Williams Defaulted Current Balance £200 Default Balance £215 Credit Limit £120

 

These are all the active accounts all others on the file are satisfied or settled.

 

Oh and searches far to many to even worry about anymore:|

 

Any help would be greatly appreciated even just talking about it on here takes such a weight off my mind

 

Thanks alot

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What are the Lowell accounts?

 

When were they all taken out pre or post 2007 and how.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Candid Collections (Simply Be) - 2010 Opened online

Lowell Portfollio Ltd - Littlewoods 2010 Opened online

Lowell Portfollio Ltd - Very 2010 Opened Online

Wonga 2011 Opened Online

JD Williams 2010 Opened Online

 

Hope this is what you meant

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Yep that's it.

 

Are Wonga still adding interest and fees?

 

All the others as they are non priority debts can be paid the token payment of £1 a month

 

Unless of course you can afford more?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Are there ANY charges/fees that you can reclaim off any of these accounts?

 

A f&f offer wouldn't be my first option just yet..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Well, the only real way to find out what is owed and what are charges will be to SAR each of the original creditors (OC) this costs £10 for each SAR.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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