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surely you ruined your credit file by not maintaining the contractual payments?
In theory - yes
What i didnt realise is that as long as i was in arrears with them they would continue to default me.
My (wrong) impression was that if i kept up the correct monthly payments then on + some to pay a chunk of the arrears, it would show up positivly on the credit file.
They never once told me differently!0
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