So to spell it out, your saying
wait for them to file a claim for a CCJ, contest it on the basis they have no WRITTEN proof that the payments were made by me.
As far as i can see, none of the debt agencies ask for written confirmation so this rule could apply to anyone?
I'm assuming its a high risk approach apart from giving them a call, telling them my situation and setting up a monthly contribution?
i really dont want to do this with a CCJ hanging over me- another 6 years!