So how are things going with my debt pay down. No that well to be honest.

I have 6 credit cards that I am currently paying the minimum on or at least trying to and plenty of others that I’m paying nothing to. Full details below.

Capital One (a) Balance = £81.21 | Limit = £200 | Payment = £25
Capital One (b) Balance = £146.82 | Limit = £200 | Payment = £25
Lloyds Balance = £451.23 | Limit = £500 | Payment = minimum

Aqua Balance = £216.74 | Limit = £200 | Payment =£0
Marbles Balance = £732.34 | Limit = £700 | Payment = £0
Barclaycard = £400 | Limit = £400 | Payment = £0

Natwest Loan Balance = £4889 | Waiting for default | Payment = £0
Natwest OD Balance = £799 | Limit = £1250 | Waiting for default | Payment = £0
Very Balance = £772 | Waiting for default | Payment = £0
JD Williams = £1742.18 | Waiting for default | Payment = £0

ARC (David Lloyd) Balance = £582 | Payment = £0
MMF (QQ) Balance = £481 | Payment = £0 | In dispute
Lending Stream Balance = £86 | Payment = £0 | In dispute
Trugym Balance = £86 | Payment = £0 | In dispute

So why am I not paying some and waiting for defaults on others.

The ones where I am waiting for a default I am aiming to set up a repayment plan or offer full & final settlements in the future. The last four I am disputing that I even own anything or I’m ever aiming for a settlement or a statute barred date (6 years from last payment). They either are no longer on my file or about to fall off. I have sent SAR requests to these and I’m hoping that they are unenforceable. It has been proven that the SB/unenforceable route can work.

My credit file is so trashed already that anything else added won’t mean a thing.