Trouble with catalogues help!

Stephya27

Hi Iv got a bit of debt with Littlewoods and Very. The debt all together is about at £400. I panicked at Christmas. I was paying the minimum each week as I had to catalogue a to pay off (which now looking at it was bad idea!) I have since lost hours in work. Which means I have not been able to pay. I then ignored letters and panicked and embarrassed as I'm only 20. I never told them my situation. I have now been passed to NDR on behalf of both littlewoods and Very. I have been to CAB to get help and advice(. I have since told them and catalogues that Im having financial problems.) I'm waiting for a one2one with a debt councillor.
I have also applied for a job. An they need to do credit checks. I'm worried that this will be on my credit file. Does anybody know if it will be on my credit file already? I'm hoping this job is successful as I will be able to pay it all off and be done with it.
Another question is I done the catlogoues online can I still ask for a CCA to be sent out?
Thanks

forgotmyname

Once you miss a payment they may put it on your credit file.

You can ask for a CCA. But they seem to have their acts together compared to years ago where they didnt have proper credit agreements.

Check your credit file yourself. It costs £2 for the statutory report. Or get a free trial and cancel it right away and pay nothing.