Thank you.

Hi Scott, thanks for the reply. I would like the defaults gone ready for when we want to buy a house but it will be a few years down the line once we have saved enough for a decent deposit anyway. I could probably pay the 2 smaller defaults off quite quickly and the NatWest one in a few months however, I am aware that defaults disappear from your credit file after years, if I were to pay them ,would that 6 years start from when I paid it off? If I am being completely honest, I wouldn't feel guilty at all not paying the 2 smaller ones as the amount of money them companies had off me when I was using them is ridiculous now I look back.

Hi, I have recently checked my credit file and I have got 3 defaults. One from Active securities Ltd for £270, date of default April 2013. Another one from Think Finance for £305 in April 2013 and another one from NatWest for £913 default date December 2013. A few years ago I had gambling problems (thankfully I got help and I no longer gamble) which led to me taking out payday loans. I paid some off but the first 2 defaults must be for 2 payday loans I never paid. The NatWest default was from a basic cash account I had with no overdraft feature, I had £900 in there, lost it on a betting site and when I checked my account, the money hadn't been taken or frozen I transferred it out obviously when money went to the betting site, it took me £900 overdrawn. I opened an account elsewhere and have never used NatWest since. I am in a better position now with a decent job and spare money each month I could afford to pay them all something each month but I was wondering if there was anyway I could have any of the defaults removed. I don't remember getting any of the default letters but to be honest I was hiding everything from my partner at the time so tended just to throw letters away without opening them. I have moved address nearly 2 years ago and never told any of them and I haven't received any correspondence from them at my new address. Thanks