Hey it says the default date is 15/03/06 and last updated 16/07/06. I think this about the time when the Guy rang up demanding for money when I knew nothing about it so has this reopened the debt?

Ok I have now posted a Subject Access Request I have checked on Equifax that this debt does show on my File. It was Credit Expert that didn't have this on file for some reason. On Equifax this says the file was last updated on the 16/7/2006 to a defaulted account Still receiving 1st Credit Letters and not contacted them as I know they will lead me into some kind of trap I will keep you posted :@)

Hi Silverfox - unfortunatley yes I did sign this. I was only just turned 18 so I am afraid back then I was naive and stupid

I have never acknowledged this debt in writing to anybody. I am unsure where my ex is to contact him aswell to find out payment dates. Should I send a letter to first credit asking for details or is this just opening a whole can of worms? I remember when they contacted before they could only send me statements as proof which had my name on but the two addresses which I have never lived at

First of all the outstanding debt. This debt is a Barclay card debt which my ex had taken out in my name and had his own additional card. He ordered this card at his own home address which was never my home address. My ex had always been the one to deal with this card. After two years down the line Barclay Card conatcted me saying he had not carried out the payment plan that he had originally set up. Of which my ex had moved 200 miles away and had no contact with him. Now I know this debt was around £300. 1st Credit contacted around a year later claiming I owed them £1104.29 which included interest. As they rang me - they caught me out by asking who I was and my date of birth etc - so after a few tears I offered them £500, which they did not accept. Now its 5 years plus, could even be 6 years and I am receiving letters from Judge and Preistly about the above amount. This amount is not on my credit file with Creditexpert. I do not know what to do next. I know they are still trying to contact me at my Parents address with the same letters. I have been told plenty of times that because this debt is so old, they are just trying to get what they can. I am wondering with me trying to sort this out and give them some money back have I reopened this debt so this isn't classed as a 5+ year old debt. Has anybody else had the same problem or can help me? I want to sort this out once and for all