This thread only goes to show how confusing this whole thing is.

So what incentive is there for me to pay? Should i let it run its course for 2 more years?

That i have defaulted on an account?

Thankyou and potential creditors would not be able to see this on my credit report?

I canot post an image but the debts are owned by RBS (mint) and Capital One

When i return home, I shall post a screenshot!

Please see post above. After the 6th year is the default still visible and does it still leave an imprint on my credit score? I feel like I'm being punished for a a silly mistake i made at Uni and is a relatively small amount of debt

1 with Mint (RBS) for £1090 defaulted in 2010 last adknolwedgement about 2 n half years ago 1 with Capital 1 for £210 defaulted in 2012 last adknowledgement about 1 and half years ago No PPI as far as I'm aware. I think both were passed onto debt agencies.

Good afternoon, This is my first post so apologies if my etiquette is out! I have recently looked to improve my credit score. My history in the last 4 years is pretty good (2/3 late payments aside). However on my credit file I have 2 defaults (one is 4 years old for £1096, one 2 years old for £210). I'd like to clear these defaults off my account. I cannot afford to pay both straight up and have looked into a partial settlement. Can someone please advice me on the best approach to handling this debt? Is a partial settlement worth it? What will happen to the debt after 6 years? Will a payment plan clear the default? Thanks is advance, Murp