wrong topic maybe someone could advise where best to put this topic or move it for me?? thanks Ill start from the beginging. I Purchased a car(carcraft) oround late march 2005 through black horse finance. Car was 6k turned out i was paying around 18k back. Bought the car and it was the worst thing i ever did. Fault upon fault up on fault. Took it back numerous times just to be fobbed off. In the end after paying £304pcm for around a year i took the car back to carcraft left it with them wioth logbook keys everything and canceled my standing order. Time went on which at the time i was 18 so decided to ignore. (stupidly as im paying for it now im wanting a mortgage) Got a letter saying thanks for your payment was around the £1000 mark 100%wasnt me or anyone else who paid. So a fake entry. Blackhorse sold the debt of around £18500 to apex who found my ny address demanding money ect. Ive not had any sort of contact with apex in over 5years! Went to the citizens advice about my situation wanting to get my experian credit report cleared so i could move on but it seems that apex have been putting fake payments to themselfs from me in order to keep my account alive and not go over the 5years before my debt clears?? citizens advice told me to hold on as they thought it would be wiped but apears not as i had experian chase it for me. Has anyone any ideas of what i can do? Ive not guot much paperwork to go by as ive moved twice since and over 5 years have passed. I dont want to get intouch wqith apex as then i would have started comunication with them and be back to square one. I would have had no broblem paying for it if the car was in good working order but it wasnt. I think i also paid for ppi with the origional finance but as i were self employed it was pointless. (thats another thread proberly) haha Any info and advice would be hugely appreciated. thanks