I am going to have a good search for the original paperwork, I have never sent them anything as you say above, do I need to send a CCA and SAR to start the ball rolling?

Sadly I don't think I do, I was 20 at the time living at the parents so don't think I still have it. I was wondering if it doesn't show on the credit check even as a closed agreement is there anything I can do to just stop it? Apart from keep paying it off?

I pay £70 at the beginning of each month via a payment card at the post office!

Hi all, Background.. I took out a loan approx 14 years ago from the bank i was with at the time (HSBC) and payed all the payments until i lost my job a couple of years later. I thought the PPI would cover my payments but it didnt so i defaulted on the loan. This resulted in the bank also closing my account and eventually selling my debt onto Metropolitan Collection Services. I was unable to open another bank account at the time due to bad credit etc.. . but at the time didnt matter as i had wages etc.. paid into my parents bank account. Metropolitan chased me for a while and i eventually started paying a little each month via a payment card and have been to this day! I eventually grew up, opened a new bank account in 2009 after trying a number of banks, Natwest finally accepted me. I now have a family, credit card, bills etc.. and have run a free credit check through Noddle and the old loan debt from 14ish years ago does NOT show on there! Question is, do i have to still pay the amount each month via payment card or can i get rid of the outstanding balance with this not showing on my credit check? Thanks in advance, all info appreciated