Hi, just a quick point or two. 1. Have you tried simply paying the correct amount into Burtons bank account for store cards, and then contacting them to advise it has been paid?? If you do that, they are required to call the DCA and advise that they have had the full payment and that the DCA MUST lift any details they have registered with you. Burtons may not, but usually they dont do it anyway and pass it on to a third party. It doesnt sound like you have been subject to a CCJ or Warrant. 2. The DCA will have "bought" your debt, and thus, if you contact them and offer to pay it off, DO NOT pay the full amount. EVER. Burtons have already written it off, and have probably accepted less than half of the amount. The DCA will accept a lot less too, especially if you contact them out of the blue, and they havent spent much on finding you. Good luck, but sadly this will affect you unless you pay it and can prove it, the get onto either the experian website or one of the others and log a resolution and dispute against any logged defaults or judgements against this debt.