Hello and thank you for reading my post. Any help, advice and suggestions will be very much appreciated. I am sorry in advance for the long and complicated post. I have 4 debts all defaulted in 2010 for £20+K. Most of the information I have provided below is from Noddle as I don’t have much paper documentation. The debts are a personal unsecured loan and 4 credit cards all used on an unsuccessful business plus I have got very ill and went for urgent treatment abroad (2010) which lead to defaulting the accounts. 1. Barclays – unsecured loan (applied online) originally for £20K taken in 2007,currently owing just under £13K I have been paying £1 each month since 2013 agreed with them (CDCS/Barclays) over the phone. I have a letter from them confirming that they agree to receive £1 a month. The debt shows as ‘Barclays unsecured loan’ on Noddle and no mentioning of CDCS. I have a current account with Barclays (debit card visa) which I only use to pay £1 to Barclays and 3 debt collection agencies (£4 each month has been transferred to this account). The loan is visible on my online banking but shows only the total amount owed before the default in 2010 I think... I have not got any paperwork regarding terms & conditions, statements etc... I was paying £385 a month for around 2 years but once I stopped paying for a few months they kept adding fines and interest even after I was begging them to stop fines explaining that I was at hospital abroad and unable to organise any payment for few months. Fines continued even after I started paying them again but reduced monthly amount as much as I could afford (£100-£200). Then after 2-3 months the account defaulted and I continued paying them reduced amounts (finally agreed by them) until I was advised to offer a token payment which was agreed without problems in 2013. 2. Credit card- Citi with Cabot Financial Europe. I pay to Clarity (online payment via their website) which I guess has been employed by Cabot to take the payments of £1 since 2013. Noddle is updated by Cabot on regular basis showing –£1 each month. Information on Noddle: Account start date 07/2007, opening balance £1436, default balance £1436, date of default 06/2010. Between 2010 and 2013 I was paying more than £1 a month so the current balance is down to £590. The last letter I have is a confirmation of arrangement for £1 a month with Clarity. I called Citi years ago to ask them for more information regarding the debt and about Clarity. They could not find anything in my name with their bank and explained they do not have credit card department anymore as they no longer offer any credit cards and as far as they are aware I don’t owe them anything. They could not give me any information about PPI either... They never wrote to me to explain that they ‘sold’ my debt as far as I remember. 3. Credit Card-HSBC Bank. After defaulted in 2010 Metropolitan Collection Service Limited contacted me and demanded high monthly payments while I was in the hospital. In the end reduced payments were agreed. I was paying them reduced payments (£10 or £20 I don’t remember exactly) on monthly basis until 2013. They agreed in writing in 2013 a monthly £1 payment : Commencing Date 29/06/13 Finishing date 28/08/2096! A few months after the agreement I was contacted by Marlin (Cabot Financial) advising me to start paying them the £1 monthly and providing me with their details. Noddle shows that I opened this account in January 2007 and defaulted in June 2010 at £2770. Noddle currently shows owing of £2400. I was contacted by Marlin over the phone recently for a review -I explained that my financial situation is even worse than it was in 2013. They were fine-still happy to receive the £1. They also mentioned that a full and final settlement can be arranged at 65% discount but they would consider a lower offer if I go to them with one- they said. 4. Credit Card-MBNA -Account start date 05/2006, defaulted -06/2010 at £6550. Noddle currently shows that I owe : £5250. I found a letter dated 01/09/2010 from Experto Credite advising me that Varde Investments(Ireland) Limited has bought the interest of MBNA Europe Banks Limited and they are legal owner of my account. ‘Under the terms of assignment Experto Credite Ltd has been appointed by Varde to recover any and all outstanding sums.’ I paid Experto Credite £20 on monthly basis until Aktiv Capital contacted me to inform me that they have taken over my account. They agreed to the £1 monthly payment in 2013 (which was agreed with Experto Credite already I think) and since then I have been paying it. I noticed just recently that on my Noddle report instead of Activ Capital, PRA Group UK has taken place as a lender. I don’t have much memory about any of the credit card debts - especially the amounts I originally owed. I found most of the above information on Noddle but I am not really confident how correct it is. Some of the debts also show payment history for the last couple of years only. I have the impression that the DCAs who contacted me in 2010 insisted that I owe at least a few hundred more than I thought but being recovering from an illness and ‘scared’ of unwanted visits and fed up with aggressive telephone calls demanding money which I could not really afford I did not argue with what they asked me to do and kept paying as much as I can. I am no longer at the address the above creditors have for me and none of them have been in touch with me via telephone in the last 2 years except Marlin. I am currently staying at friends address which address I don’t have the permission to use for my financial affairs as this is my friends work place as well as their home address and it is just down the road from the office of one of the lenders and they worry that they may come in person to look for me and cause problems (as the friend has valuable items at the address- including extremely expensive car kept by the owner of the house who does not live at the address)) I am thinking of renting a Personal Post Box in the town for communication with the lenders. Do you think this is acceptable as an option? If/When I get PO Box address would you suggest to contact the lenders for CCA or SAR or another request or just to inform them for my new correspondence address and wait for them to approach me or just try to change the address at Noddle and the rest of the credit agencies if that is possible at all? I don’t really care much about my credit rating but I want to avoid CCJ if possible. If I don’t provide them with an address I would not even know about any CCJs until I see it on my credit report and I guess it will be too late for me to defend myself or do anything.. . I mostly worry that when I eventually have a permanent address the bailiffs will turn up at my door unexpected asking me to pay immediately plus extra charges. Would you suggest to discuss full and final settlements (a friend may be able to help with money) if the paperwork of the debts is good? I think I might be able to claim miss sold PPI (at the time of taking the credit cards I was self employed) and unfair penalty charges. .. I would consider F&F as an option if there is no better option to resolve debts as I feel the whole situation with DCAs and Barclays very stressful. I am also hoping on starting a job I have been promised in some point next year working for a high profile individual where my working place address will be the same as my living address (same address where my boss will be living as well) and if DCAs or bailiffs approach me in person asking for money or belongings this might cause a big trouble. For these reasons I wish to resolve these debt issues before accepting any job position of this kind. I want to thank you for reading my story. I am not experienced at all with the above situation and I realise that I have already made some mistakes. For example not asking any debt collectors for proof in first place before start paying them. Please anyone help me sort this unpleasant situation out and guide me where to start from and what to do? I really need to sort these debts out ASAP so when I start my new job next year I don’t need to worry and live in fear about debt collectors turning up at my boss door asking to collect my belongings etc.. . and causing trouble.