Maximizing credit rating from very bad situation

Larumbelle

Step by step to reclaiming (credit cards): http://www.moneysavingexpert.com/reclaim/credit-card-charges

Step by step to reclaiming (banks):
http://www.moneysavingexpert.com/reclaim/bank-charges
You are probably better trying to claim through the ombudsman for now.

Both those guides deal with how to get your old statements to find out what you were charged and when. You know what the song says. Keep your old love letters, throw away your old bank statements

I don't think that is a +£79 otherwise it wouldn't be a default. Sorry!

Yep, P1 - P5 will be travel supermarket then. That's nowt to worry about.

Your initial plan of £70 per week seems fine as long as you stick to it after the panic goes away. In my experience that's when it's hardest to keep your resolve.

jermaindefoe

ty, ill write to em and let you no how i get on