So, after a comment made by Kate, I remembered that I needed to provide an update.
I have finally sorted out the messy issue with money owing to Capital One and Natwest. The balance on Capital One was sorted out with a PPI claim and Natwest with consistent repayments every month; and guess what, it feels so good and I suppose I am quite proud of myself.
One thing to note, if you do owe Banks or any other Finance Company any money and cannot pay…do not bury the issue. Declare your Income and Expenditure to them straight away and come up with a repayment amount with them. They cannot threaten you and they cannot force you to pay more than you can afford. The law is on your side only if you work within the boundaries of the law.