Hi all, thanks for all the info in the stickies and threads, but I'd like some specific advice if anyone can offer it? My situation is that I rent houses in student areas, and hence move every year. Three to four years ago I got into financial difficulty and ran up debts on a few credit cards and an unsecured loan but moved out of the house and forgot about the debt. Of late I've got a good job and I now own a car and have applied for (and got) credit which is running along happily. However, it seems that when I apply for credit / insurance, my details have been passed onto the companies to which I owe money. Where do I stand legally on this? Can I be served with a CCJ to an address that they only found because of an application to a different company in my name? I haven't contacted any of the companies that are sending me letters, and I'm quite happy to leave it that way. I don't mind negative marks on my credit history as my current bank is more than happy with how I run my accounts with them, and I have no plans to take out any loans in the short to medium future. Am I right in thinking that they cannot send bailiffs round? What about agents? The reason that I don't want anyone visiting is that they have my parent's address (I keep my bank account, driving licence, etc., registered there), and I really don't want my parents to find out! The basic facts are: Good debt: car £10,000; credit card £500; couple of household items on buy now, pay nothing for 12 months. Bad debt (1) Credit card #1 (Egg), £400 or so owed, I received a few letters a while back, but then they just stopped. (2) Credit card #2 (CitiGroup), £1500 or so owed, I have just started receiving letters regarding this (3) Student account with overdraft (Lloyds), £2000 owed, I have received a few letters about this, but then moved out of the property. (4) Unsecured loan (Egg), £6500 or so owed, I have heard nothing about this. Please provide any help that you can, all advice is appreciated!