Thanks again for the consideration guys. After much consideration, I have decided that I wanna pay off my debt with a plan that I can afford. What are my options and how do I go about dealing with it? The £3000 I owe is across 3-4 creditors iirc -- credit card, two separate phone contracts and a bank overdraft. How can I approach all of this at once? Should I be looking for a debt management company or? I can fork out 1/3 of what I owe immediately with the rest on monthly. In addition, I checked my noddle and obviously I have defaults on all of them with gone-away record.

Do you think opening up an account like thinkmoney will update credit file? Since they claim no credit checks -- I wonder how this would play out. I'm not going for any credit applications -- i.e. phone / rent / internet - because I'll be living at a friend's place. Thinkmoney does actually request for address details for the past 3 years so I'm not sure what to expect upon processing my application. Honestly, I just need a bank account to receive funds/wages without alerting DCA's and that's pretty much it.

Thanks guys for the constructive response, truly appreciate them. Great advice! Thanks! but I was wondering about something; hypothetically, would I be able to go undetected with opening no-credit-check bank accounts such as TM(thinkmny) Thanks for the great advice. I was checking my online credit report and I have like several defaults (totaling to about £3,000). So at this point, if i were to walk up to a bank to open an international student bank account -- they're not gonna put me in cuffs yeah?

Hi Guys, I'm a returning international student with about £3,000 in credit card debts, phone loans and overdraft that I blasted about a year ago. Now that I have a postgraduate offer to study in the UK again, I was wondering what can I do to stay out of trouble. Obviously, I was young and immature to have been doing such acts back then. I was hoping to pay continue paying said debts above upon my first return home but the job market is tough and I was not able to even make enough back home to cover (especially when earning below average salary and local currency is worth 0.20 to a quid. Fast forward, I am definitely sure I would need to open a bank account to survive as Britain is a cashless society, and need an account to receive student allowances. What are my options at this point?