Thanks for replying. It's an old credit card debt, just over £1000 left and never stopped paying them, still do and on time every month.

Looking for some advice please. I received a letter from the courts informing me that a decree I had been given a decree thanks to Yuill & Kyle. The first I knew anything about it was this letter and I hadn't had a chance to appear in court or to prevent this. This was 2009 and at the same time I received this, my wife had just been diagnosed with a serious illness and Ill admit, this and any other debts were last thing on my mind. Anyway, I never actually looked into the decree until recently and I read that I should have been notifed of this via Recorded Delivery letter or by a sherriff's officer, is this correct? We never received a thing until it was all done and dusted and I was surprised to read on a couple of other threads that it seems this isnt the first time Yuill & Kyle have done this. Also what make the decree more surprising was that I had a payment plan in place and was paying regularly and on time prior to the decree. So my questions are a) Is it possible I could have the decree removed from my credit file if I was not notified beforehand ? and b) If I was already paying on time and regularly and had payment plan set up before the decree was issued can it be removed because of this? I'd really appreciate any advice/opnions please. Many thanks.

Just wondering how you got on with this? I'm in similar situation with Yuill & Kyle in that a summons was never received and we didn't know about the decree until it was issued!