Ahh ok thanks dx screen shots were from equifax, will check it again before the free month expires then sign up with noodle.

As i said above, have heard nothing more about it, and I think they would've had me in court by now and I'm pretty sure I'd stopped paying by January 09 anyway. Any idea why the 4th one hasn't dropped off yet ? default date on that was 05/08, read somewhere else on site that they drop off the record after 6 years ago ? Bob

Thanks dx, the SD resets the clock ? I'm assuming you mean the Statuary Demand ? therefore the clock started again in january this year ?

First one is a Bank Loan from TSB...... [ATTACH=CONFIG]51867[/ATTACH] This was sold to Lowell ...... [ATTACH=CONFIG]51868[/ATTACH] Second one is now again with Lowell and was an mbna credit card I had.... [ATTACH=CONFIG]51869[/ATTACH] The third is with Capquest, this was for a mobile contract I had.... [ATTACH=CONFIG]51870[/ATTACH] I had an accident at work in early march 2008 and haven't returned to work since, I am now on disability benefits and it's unlikely I will be able to return to work ever again. When it happened I tried to keep up with the payment arrangement but as the loan was with my bank when I put money in to cover my priority debts, (mortgage and council tax) the bank took that money and put it to my loan instead, putting me in arrears with the mortgage. I am now up to date with mortgage and CT again. In January this year I received through the door a Statuary Demand For Payment Of Debt from bwlegal, this was signed by sheriff officers, I did not answer the door and have never answered the door to any collection agents, they simply put this through the letterbox, I did not contact them or send them any correspondence and have heard nothing since. I have had no contact whatsoever with either of these companies in years, although I still get letters sent to me, any recorded mail I get I do not go retrieve it from post office, so i presume this gets returned to sender. I also think the default date was April 2009 and not July as stated above as I opened a new bank account in April 2009 and transferred my DD's to the new account and left only 30p in the old account. Are these debts now time barred ? If so, how do I go about closing them so i will receive no more letters or contact attempts, and secondly, how do i get these removed from my credit report ? Thanks in advance for any advice that is offered. Bob