Okay, this is a long one, so here goes, I'll try and get to the point of each default asap.
A few years ago (2008), I lost a job, and fell behind with my debts, I have pics of each debt on my credit file with Experian, so will explain each one as I go along.
I'll start with:
* Welcome Finance - Initially took out a loan for 2k around 2006. Suspect it had PPI attached. Anyway, in 2008 when I fell behind, and after I had a load of charges attached for phantom visits and letters etc.., I eventually contacted their office. Their method of resolution was to refinance the loan into what seemed like a new agreement (hiding something maybe?), again at 2k I believe.
Below is a pic of my Experian record for Welcome