I opened an account in 2007 with Lloyds bank whilst I was 16 years old and living in the south of the country with my girlfriend at the time.
I then moved back to the north of the country but did not change my home address and all my mail was withheld from me for about a year.
I had gone overdrawn on my account by £5.40 and did not know of this because my mail was being withheld and had no cause for concern. (I should have changed my address).
September 2008 I received a letter from Lloyds TSB demanding I pay £479.03 of the £679.03 balance in full in a couple of weeks. Due to my financial situation I was unable to pay.
In October 2008 I received a letter from a solicitors demanding that I pay the full amount £686.69 outstanding balance.
They also state in the letter that if the payment was not paid in full I would receive a CCJ, which inevitably happened.
I chose to bury my head in the sand at this point only being young and unable to make such a massive payment upfront.
Later in January 2015 I set up a repayment plan of £5 a week to Lowel and managed to get the outstanding balance of £767.72 down to £162.72 thus paying £605.
On my credit report it states that I have had a CCJ.
What I am wondering is, what is the likelihood of reclaiming these charges?
What steps do I need to take to reclaim?
Will the CCJ be attached to my credit history permanently?
Any other advise would be most appreciated.