Sorry, been out of town for a few days, thanks again all for the input, Bazooka Boo, my apologies but I am a little confused, by CRA does that mean Equifax where this data is held, or the company listed therein who have placed the default notice?

Yes, they both appear on the credit report, but the only dates I can see on there is the default date, which strangely for both is listed as being in 2007, both of which are wholly inaccurate as the true default date, unless someone else paid it on our behalf I guess.................

Thankyou senior, confusing everyone else as well now, I will try and clarify a little of what has gone before Account No 1 - an old debt with Avon, taken on by Scotcall now apparently, which is without any doubt beyond the 6 years since there has been any activity or payment on the account from ourselves. We received a letter from Scotcall a couple of weeks ago stating that doorstep visits etc were impending unless we paid in full. This came after having heard nothing from anybody in years, we have not yet acted on that letter. I have pretty much gotten to the stage of knowing exactly where I stand on this, and preparing a copy of the statute barred letter in the letter templates section to try and remedy this account. Account No 2 - an old debt with Littlewoods Catalogue, acquired after my wife tried being helpful to a neighbour a number of years ago, we are 99% sure this is now statute barred also, but without getting hold of old bank records I am currently unable to get to 100% definite on this point. This we have received a letter about today from HL Solicitors, again offering to come and pay a doorstep visit to effectively make an inventory of my possesions (my house must look really nice on google earth or something ). I am assuming that once the Avon one is found to be statute barred, I then have the right to have that removed from the CRF once I have gotten the default date rectified and looked into how the date given has been put on there (the history of said default on the CRF), not that we have any wish to obtain credit etc in the forseeable future. Hopefully this clears up some of it, sorry was a bit lost in stuff myself earlier at the time of my original post.

Thanks again for the quick responses and advice. I think perhaps with the benefit of a further set of eyes to look it over that might be my choice of course of action too, the 1st I am 100% and beyond certain where I stand on, was just unsure where the default date on the CRA may have appeared from, the second one in your opinion would it be worth requesting a copy of the agreement and statement of the account from them, to allow time for us to get hold of our bank records and check exactly where we stand time wise? would hate to get caught out by the 1% of uncertainty I have remaining.

Thanks for the quick replies: Brigadier2JCS - apologies but without taking time at the moment to acquire old bank records or the like I'm not sure on actual payment dates, the last activity on the first debt was definitely prior to Sept 03 as we have heard nothing since we moved, so in fairness not really gone out of our way to find the relevant DCA to contact ourselves. With reference to the second one, there has certainly been no activity in the form of payment or written acknowledgement since Jun 05, the debt appeared due to a conflict with neighbours who fraudulently attained goods from a mail order company, my wife decided to help a neighbour out at the time with their catalogue as the neighbour was unable to get the catalogue for themselves, all this took place while I was away on a training course for work, which lasted 8 weeks and started in Apr 05, again I would need access to old bank records to get an exact date which I have not been able to lay my hands on yet. The two companies concerned are HL Legal Solicitors which has at some point in time been procured from Littlewoods who have sent the letter we have received today threatening doorstep visit etc, they also mention Capquest as the point where all communication should be sent, and Scotcall as the company they use for doorstep visit (very confusing), the first one is a letter from Scotcall who have procured the debt at some point in time from Avon and are also threatening doorstep visits if they dont get paid etc.

Hey there all, quick thanks to start with, this site offers a tonne of hope in what has become a rather perilous dark tunnel over time, I've been perusing the forums for the last few hours, and whilst gaining confidence, I am still sat here wondering what to do next. At a previous adress, my wife and I due to some CSA issues got into financial difficulties, we were left owing a sum of around £600 split between a couple of companies, we moved house (according to the adress link our bank provides on equifax) in sept 03, the first company has certainly received no correspondance or payment from ourselves since then, which if I understand correctly means this is now statute barred, can anyone quickly confirm this is the case as I have recently received a letter from a DCA with reference to this company despite hearing nothing in the last few years from anyone. The second company have apparently sold the debt on to a DCA, who have sent their first correspondance to us today stating they are making arrangements for a doorstep visit and that I must make immediate contact with them, I have tried talking to these type of people before and just end up getting wound up (probably due to ignorance on my behalf), this debt we believe has received no payment or correspondance from ourselves since Apr 2005, which if correct would also make it statute barred I believe. However, having viewed our credit reports on experian today, the default dates on there for both of these are listed as 2007 which I know not to be truly reflective of last activity from us on either account. Any ideas on where to go from here, which letter to send, and what to do if they do turn up on the door would be gratefully received. Thanks in advance for bearing with the wall of text, and apologies if these points are covered elsewhere, just a bit rabbit in the headlights at the moment.