Thank you both..! ... So am I right in thinking that the defaults they registered {they would have} would now be gone from my credit file..? Do they just 'drop off' after 6 years..? Thanks Again..! xXx

Signed..! xXx

Hi, I have never used these boards before but find the info on here amazing. I have some old credit card/store card debt dating back to 2002 approx £8,000. {last paid a payment in July/August 2002} when I was 18 years old... I wrote to all of my creditors Several times in October/November & December 2002... All my letters asked them to write off the remaining debt due to my then situation {I was in prison - I committed theft to pay the off the other half of the debt approx £11,000}... I know Very Stupid & Young... But I paid for my mistake and have returned to my 'normal' life of work & home... Hoping my past would stay behind me. Two companies 'wrote off' the debt... the rest MBNA, Barclays & Natwest... Didn't even bother to reply, nor have I heard from them since... So I stupidly presumed they had been 'written off'... Although I have moved so this could be my fault. I have been told that December 2002 is the last letter I sent them or contacted them SO is the last time I ''admitted'' owing them any money. You see I have not obtained any credit since 2002 and have now saved enough for a deposit on a mortgage, and do not want my past, young, stupid mistakes coming back to haunt me. So my questions are: 1. Can they now after 6 years since I last wrote to them, chase for the money..? 2. Will these debts or anything relating to them still appear on my credit file..? 3. Can these companies, I owed money to, access my credit file to find my current address, even though I have not given them any permissions to do so..? You see I'm scared to ask for my credit report as I will need to give my new address & do not want to do this encase these companies can access the information and get my new address. Thanks in advance. xXx