Just checked my Experian credit report, as expected there's nothing there. Absolutely nothing. No mention of the cc or mortgage etc that I do have. Should these normally show up in my Credit Report?

No, the original debt was for about 1800 quid on an MBNA cc. I'm not proud of it, but equally, I despise the the debt collection tactics. If they were open and clear about what they want, and the grounds they believe they have to collect i, I would probably pay it. Chasing a 17 year old debt? That's pretty desperate! Actually, I should check my credit file to see what it says.

Last payment would be about 1995, CCJ about 1996 I think?

Hi all, first post here. I had a credit card debt back around 1995 - nearly 20 years ago! - which I believe ended up in a CCJ. I was young, dumb and skint back then. There were a few attempts by various DCAs to track me, probably Mackenzie Hall were the most vigorous, but I was living overseas at the time they contacted my UK correspondence address, and they eventually wrote to me saying my case was closed. Suddenly, up pops this new outfit Ruthbridge Limited, with a standard fishing attempt. "contact us urgently about a personal matter..." etc. Now, I expect that this is in relation to the same debt, as I have no reason to believe it is any other, so I fully intend to have much sport with Ruthbridge over this. I could easily afford to pay back this debt if I so chose (it's the only debt I've ever not paid in my life) but to be honest, their approach instantly makes me hostile to them. If they ever want to see a penny out of me they're going to have to work damn hard to get it. So, until they lay out what the debt is, and supply a copy of the signed credit agreement etc. etc. etc..I'm just going to keep blandly responding to their contacts to noise them up a bit. I've already told them I will not speak to them over the phone but am perfectly happy to engage in a written dialogue. Do you think they read these forums? I'm rather looking forward to this.