So... Basically... all of you are right!!

What I have decided to do is wait for my two defaults to come off my file (last one May 16) and go and live with family for 3-6 months and clear all my 'outgoings' so I have NO credit card or catalog payments, I am also going to cancel 2 credit cards and keep 2 for emergencies.

Think then... I will apply properly

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