Yes but if I apply whilst my Default is still on my account with a broker, then it being a paid off one will be better than an owing one surely ?

I probably will because I want to get a mortgage

Quite good for them they are particularly tight, no chance thought at that, counter offered £2800. And not accepting any until I get a CCA

re: Got a response from Link re my settlement offer of approx £2090 for £8152 and offered me £6,525.32 20% discount

Ahhhhhhh, I await their responses then and will pick the learned brains on here, love this forum. Feel like you are in the wrong all the time and the collectors are the ones in charge, now I know that’s not the case

Ok so tick box agreements, how can they ever be unenforceable ?

really thank you I hoped that would be the case. I need to put my effort into saving a greater deposit. Thanks for the advice appreciate it

What do they need to send to prove it is enforceable if the account could only be opened by my ticking an agreement box ?

First response to CCAs Pra group sent a standard letter back with postal orders saying they will look into in. Also been reading about online agreements (which I am sure mine are) did not need a signature, you ticked a box and that’s how you were accepted. Does this mean as my contracts were all online tick box ones they will all be enforceable ? Thanks

Seems most people are fighting for them to be removed and defaulted, I have tried that with virgin Sainsbury’s and MBNA but none budging. Just hope there is a way I can get a mortgage in a sooner than there but we’ll see, I’ll put in all my effort. picking your brains as is a daily occurrence this week (appreciated), what’s should I be looking for when I get my SARS returned and how can they help me ?

I don’t know how to? Most on MSE forums and on the credit reference agencies bit on here

Thanks. I’ve been reading up a lot about defaults and AP markers and think I don’t have much chance of getting a mortgage until 2027 if I pay them off the end of the year. What a nightmare

where on the credit report can you see the ‘summary box’ lenders see ?

Very informative thank you. I am currently reading through lots of threads on here. I have been on the money saving expert forums for debt since 2018 and they have been really good too but slow. i am not sure what I am looking for when the CCAs are SARS come back

Sent my 4 CCAs off today recorded delivery fingers crossed! still confused as to why PRA group have put an end date on my credit file when it hasn’t ended, kind of hoping it acts like a default and means it drops off. I want to learn more about credit files and mortgages for in the future in my position.

No, I paid my DMP through StepChange where they split £950, my two biggest creditors were my two default accounts they were receiving £280 and £250 of the amount the month. They are only 2018 defaults as I started my DMP late 2017. I have gone self managed this month for control and I am really trying to research the best path. I have split the £950 between my 4 credit card accounts that I am getting AP markers for. So their payments per month are increased to get them paid off ASAP (6/7months) I then at the same time cut the Intrum and link amounts to £2.54 and £4.19 and made settlement offers to them and explained my situation had changed...

This month!

AP markers! I so wish I would have let them all default at the beginning it makes me seeth but hind sight is a wonderful thing. link defaulted jan 2018 Intrum defaulted March 2018

The PRA ones aren’t defaulted to my annoyance the Link and Intrum are but I’m requesting CCAs on all and have my fingers crossed!

I know I have, these companies have had an unreal amount of money from me in interest. Thank you you have helped me so much, I really appreciate it The SARS have gone this morning. I have printed out my CCAS and will post them with postal order at the post office tomorrow. could I mither you a little more? Intrum defaulted 4.5k I offered a settlement offer of 25% and at the same time changed my payments from £250 a month to £2.54 a month. They said they could only offer me 5% but to see in time. Link/Westcot defaulted 8k I offered a settlement offer of 25% and at the same time changed my payments from £282 a month to £4.19, I have yet to hear from them. I have now informed them both I will only deal with them in writing because of anxiety which I have been medicated for this since 2009, this and money issues don’t mix and are I believe a cause of each other ! What time frame do you reckon I’ll be looking at to get a decent settlement offer if the debts are enforceable ? Many thanks again

I don’t think it’s the best option for me and don’t think I would qualify with earnings. I also need to move house to another rented property in feb and could affect that, it also adds another 6 years onto me not being able to get on the property ladder and it’s only 3 years until I’m 40

But would I ever get a mortgage I wouldn’t qualify either because of income

Sorry typo again it put insecured, it’s an unsecured loan I have no mortgage/home or assets which I have stated to my defaulted accounts holder when submitting my settlement offers

How do I check the deeds? I don’t have an original loan agreement

Brill thanks will do. Halifax is now showing on my file as Link opened 2016 and defaulted 2018. Says type Bank. Tesco is showing as Intrum opened 2013 defaulted 2018. My PRA groups show as one opening 2013 one 2015. Strangely though they both show as being open and in a debt management plan but have an end date listed as dec 18, what does this mean? thanks