Hello; I am hoping that someone will be able to help us here as i am currently getting mixed replies from various other websites. My Wife and I have just started applying for mortgages. When we retrieved our credit reports from Credit Expert and Noddle we notice a large number of Defaults (6) and 1 CCJ on my wifes report. there are 4 related to Lowell that were for: 1. £571 - has been passed to fredericksons and we believe is now the CCJ, as the CCJ is for the same amount. Lowell have refused to talk to me about this and have told me to speak directly to Fredericksons 2. £159.84 for Littlewoods, £718 for Great Universal. 3. £26.27 for Orange. I paid this today just to get rid of it. The points raised at number 2 seemed odd to my wife and I. I requested a copy of the Original default Notice but lowell said they do not have that and that we should contact Shop Direct who they told us where the originators of the debt. My wife contact them and they said they had no record of my Wife's details. My wife then contacted Great Universal who were able to locate my wifes details. They have said they have no details on their system regarding the accounts. My wife asked them for the original default notices and they have referred my wife to their debt collection department, but they will not be open until Monday. We have set up payment agreements with Lowell for these for now for £30 a month (£15 on each account). I need advice regarding: a. Should we be paying this if the original creditor has no information? b. Can we get these defaults removed from her credit history? :???::???::???::???::???: