I have been checking my credit files regularly for the past three months using checkmyfile . Com, I have poor credit rating, I have utilities on my file, my bank account (from which I never go over drawn) two credit cards a catalogue (I pay off full balance every month) then a student over draft from years back. This has a default on it, the overdraft is £2300 (it was £2k but once they turned my student account into a normal account they put interest on it so fast!) my husband left me with the kids, I had to leave the RAF to be a mum so have no career anymore, and he doesn't pay maintenance. I don't have alot of money, I live within my means, I had an arrangement with RBS to pay £5 a month which I did, the only way they accepted payment was through my credit card. I set up payments. I completely forgot about RBS when my card expired and when I remembered I tried to pay the few months I had missed as well as set up my new card for future payments. Payments were declined and I hit a wall. At no point did RBS contact me, then I got a letter from Wescot saying they now had the debt, (p.s as a gesture of goodwill RBS stopped adding interest when I first rang in tears to set up the £5 per moth)
I now have an arrangement with Wescot to pay £10 per month but RBS are on my credit file with a default. It's due to drop off my file Jan 2017.
If I write to RBS can I ask them to remove the default as they never contacted me? At no point have I ever tried to shy away from paying, but it's not good on my file, I know I was daft for not remembering to change my card details but?!?!
Also, Wescot say I can pay £1800 now to partially settle? I can't afford that I can barely pay the £10 a month, my dad could lend me some money for a settlement but I'm talking a few hundred (as I'd have to pay it back!!) am I able to offer them a figure of say £200? (just plucking a number there) or will I get laughed out of town?!
And... Once Feb 2017 comes round and it's dropped off my file, what happens to the money I owe? Can they sell it on and have it reported again? Can they try and take me to court to get it all?! I really don't have much money, I was a nurse in the RAF, my ex husband was a dentist in the army, we never needed to own a home as we lived in quarters. I'm now careerless (not been registered for that long I have to retrain) I'm in rented accommodation alone with three children, can anyone offer me sine advice?!
Apologies for going on it's rather a long story lol
Thank you in advance!!