I do seem to remember having a 1st credit payment card which my parents were using to pay 1.00 a month on my behalf so must have had some paperwork. I later took this responsibility on but couldn't manage due to being very ill with depression at the time and trying to bury my head in the sand. i think 1st credit would have come on the scene around 2004..... I have this morning received a letter from 1st credit as a receipt of my payment of £350 but it says nothing about my account being settled as i was led to believe it would, instead it now shows my debt amount as £73.06! to which i was a little surprised to say the least!

which, the Barclaycard / 1st credit account?

Thanks for your swift reply, The CCJ was 20 / 4 / 2006 so six years and 3 months ago, but i was under the impression that this only applied to settled accounts? The Barclay card default was in Aug 2007 and the first credit default was Dec 2010 I cant remember what charges were involved but have sent out SAR letters this week to Llyods, Barclaycard, RBS, Natwest, and EGG. so hopefully I'm owed something, somewhere....

Good evening, I'm hoping someone here might be able to offer some advice to my situation. My partner and I recently had a mortgage meeting and while talking to the advisor I told her of a CCJ I have. it started in April 2006 for a RBS debt which I was struggling with and I still pay £75 pcm and currently have around £5200 left. The mortgage advisor suggested that we use some of our deposit money to clear the CCJ as it would put me in a better position which I said I'd think about. I've signed up to Check My File and nowhere is there mention of a CCJ on any CRA report, however, there are 2 default notices. one from an old Barclaycard which I had been unable to pay at the time and one default from 1st credit, who have since bought the debt. 1st credits details were listed on the report so I phoned them at 9 the next morning and rather stupidly paid £350 of a £425 debt with a debit card! I was told on the phone that this would show on my credit report as satisfied but after reading various articles online I think I should have paid a lot less ( 20 - 30%) ? or bargained for the defaults to be removed on payment? and that 2 defaults wont help the mortgage situation - showing satisfied or not? What should be my next step with these defaults and where has that CCJ gone?? Sorry to ramble a little but I could do with a little advice or input. Thanks all in advance