Thanks for link Andy, a similar kind of scenario. I shall stick to my plan of going to them in 10 years time as a skint old duffer and negotiate twenty pence in the pound as full and final settlement. The timing is very important of course, if I leave it too late they'll just wait for me to throw a seven. I looked at my credit file today, and have a nice score of just under 700 with Clear Score, with no record of old CCJs on file - I didn't know that they dropped off the file just lik
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