Can someone please advise whether this information is in fact correct? I no longer have use of any UK based cards so how else can I get my report without affecting my situation here?

You have no idea how relieved we both are, thank you so much for your responses. I have tried to get the Equifax report online but can't as I do not have a UK address so I have mailed off for them. When we return in March it is for 2 weeks only so would we still be able to enroll in a debt managemen...

Please can you give us some advice, we are currently living in the USA and things were alot tougher financially when we first moved here than we imagined. Although we had cleared all of our debt in the UK there were 3 Cradit cards still open. You know the 'just in case' kind. Well as we stuggled we ...

Oliver thanks for the advise, the money I have saved is probably the same as the original amount owed and not of that plua all the interest, do you know if they normally settle for lesser amounts?

During the emigration over here we ended up leaving a balance on a couple of credit cards. Over time this balance got out of hand and we couldn't pay. Now I have saved up some money and would like to try and settle with the credit card companies to clear this. It has been nearly three years so how w...