Thanks for your responses, CCJs are as follows: December 11 - Amount £5890 July 12 - Amount £4855

A few years back I had a bit of a meltdown after my marriage failed and through a period of depression and "head in the sand" my financial dealings deteriorated and imploded!!! 3 years later I'm back on the straight and narrow and trying to rebuild my life.... and my credit file!!! There is a legacy of three items which are causing a fairly major issue with my ability to get a mortgage: 1. A default notice registered in the name of Lowell for what was a balance on a Next Directory account. 2. A CCJ for a debt that I dispute. 3. A CCJ for a debt that I accept. Is there anything that I can do in order to have these negative entries removed or mitigated? I understand that there is an appeal type process against a CCJ however will the length of time since the judgement was made exclude me from being able to use this course of action? I've not paid a penny against either of the CCJs or the default so if I can't get them removed then I guess it's a matter of sitting it out for the next three years, but ideally I'd like to pay what I owe and for this to have a positive affect on my credit rating! Thanks in advance for your help.