Update on this, forgot about this one, but the CRA Credit Expert came back to me saying: Any ideas on how to proceed now? Thanks.

Out of interest, does the creditor or DCA have a certain timeframe to put a default on before it's deemed as legal? This default was put on my credit file on 16/07/2008 but looking at the payment history, I got an "8" meaning that I failed to keep the credit agreement in Feburary 2008. Any help would be greatly appreciated. Many thanks.

Got it set aside. Now to try and get the fee back, oh joy.

How did you do it? Were they previously settled or did you use that to bargain with them? Was it with creditors or with DCA's? Thanks.

My bad, so no chance of a mortgage until 2015 when all of these defaults finally drop off then ?

Is it worth writing to them to see if they would remove the default if i settle in full? Though there is only 11 months left, but was hoping to get a mortgage next year, but will these defaults staying around until next year and some the year after, I'm not so sure?

Still getting letters from these jokers even though they never adhered to my requests. Obviously comes off of my credit file by this time last year, so carry on ignoring unless court papers come through the post?

Ahhh, didn't realise that. Will get on it asap. Thanks all

Really So I lose out for some guy who didn't play by the books

in May 2010 I had a CCJ appear on my credit file, not that I knew about it until around 2011 as I wasn't checking my credit file at the time. the long and short of it was that I sold an item to a guy on a forum, it arrived "damaged" so I claimed compensation through the insurance of the courier, and asked that the item be sent back to me. The guy never sent the item back and I never had contact with him again, I assumed that he was a [problem]mer as I wasn't going to pay him his money until I had the item, otherwise he may have been quids in. Well I moved address, and it seems that he applied for a CCJ against me, which as I moved and no longer resided at my address that he was familiar with, papers must have been served and as no reply was made, the CCJ was granted. It's for the whopping grand total of £130, and if I settle the CCJ, it will still remain on my credit file, so I'd rather get it set aside on the reasons that I didn't receive any paperwork, was no longer living at that address, and the fact that I believe he shouldn't get a penny as he never returned the faulty item. I contacted the courts in Northampton with my set aside application and also an application to wave any fees, as I receive a few benefits and as the fees are also almost the same cost as the CCJ in general, why should I pay for the courts mistakes? as advised by them, I send them all my copies of housing benefit, council tax, tax credits etc... proof and they write back saying they need 6 months bank statements. I then send that in and they write back saying they need me to highlight all of the appropriate benefits on my bank statements (even though it clearly says) and send it back. They then write back saying they need the proofs with the bank statements together. I send this off and they write back asking what the small paypal deposits are for items ive sold on ebay (old stuff that i no longer need). I feel like every time i send off what they ask, they ask for something more and to be honest it's doing my head in. I feel like the time this CCJ is sorted, the 6 years will be up anyway. Is there any way I can get help with this, as it's stressing me out and just want it off of my file as I don't believe it should be on there anyway, and with looking to obtain a mortgage in the next couple of years, I can't afford for it to be on there. Many thanks

Well I got the statements about 2 weeks ago. Just got another letter saying that because I haven't responded to them, it may result in further action to be taken. Are they just ignoring the fact that I sent them a failrue to comply letter? Ignore this one?

Letter from Fredrickson International today saying that they are authorised to contact me by Lowell to repay the debt. Ignore?

Got a letter from them today saying as i've not repaid the account, Lowell are passing my account to Fredrickson International Ltd who are an approved debt collection agency, though I can still contact Lowell to make arrangements if I want. What should I do? Ignore? Thanks.

Another letter saying they are collecting statements. Do they not understand my failure to comply letter? What should I send them now? Thanks.

Yep, the covering letter is dated 22nd may which I find hard to believe as its now the 30th. A failure to comply letter was sent before this anyway. Thanks.