Hello All; I have spent quite a few hours reading around in the hope of finding all I need but I would like some clarity if possible. It seems as though my case is far simpler than others. I am on my own now after many years married and am trying to manage thing responsibly as I always would have liked to do (if you catch my drift!). I have, over the last 3 years, paid off many debts slowly and am down to the last two. I have just increased my standing order to Frederickson to £35/month to pay off the final £350 of a £1500 debt to Capital One as quickly as possible and that will now be settled within a year. This is defaulting every month on my credit file still though. Is this normal? Secondly, the biggie is a debt for an unsecured loan which built up to £7892. This was with Citi Financial. on my file, it says the date of default was 30/08/2008. Now, on my Noddle credit report (free with my Aqua card which i pay off in full every month to try to build my rating; I only spend £10 or so on it every month), it says in the status history and balance history that it defaulted in April 2013 and defaults every month from then to date. The balance history starts then too. Am I right in assuming that this was when Arrow Global took this debt over as there is no reference to Citi Financial anywhere in open or closed accounts section of the financial reports in Noddle? I have attached a snapshot of the default. I just can't understand why the default months stared so recently when the date of default is 2008. I think that this must be what is keeping my score so low (2/5) as I have no other debts and a fast rising credit card limit as I am using it only to build ratings. What would you advise I do about this final debt to Arrow Global? i have tried to contact them but they just sent a letter saying that this is now being managed by Debt Managers (services) LTD. i am just worried they are going to turn up out of the blue. Should I contact them now and arrange payment over then next go-knows-how-many-years or is the debt old enough to write off/ pay a lot less on? Thanks for your time reading this.....

Hi all, looking for some advice. Got mortgage with Northern Rock (NRAM). £135k secured on house and £25k unsecured loan to top up to value of house when it was bought. Bit is paid off by now (well, negative equity any way). Inherited some money from parents. What is better way now: pay off unsecured part of it or actual mortgage on house? If anything happens and i will not be able to pay instalments for both, only for house part, can they reposes house for pay off that unsecured loan or as it is unsecured they cant`t do anything? Just can`t get grip on that. I know I can go to solicitor, but trying to get some advice here first, as really value opinions here.

Hi there, I'm new here, so I don't know if I'm in a right place to post this thread. So, the problem is, that I've got loads of different debts and loans now, for example, pay-day loans, which in total would be about 2.5 grand. And I'm still struggling with the money. I need to repay these loans soon. I'm thinking of applying for another loan, but my credit rating doesn't seem so good. Is there any loan company, that could lend me some money even I have a bad credit? I can't think of any other options now.