Interesting. I thought that was the case for defaults and statute barred debt, but that a CCJ still had to be disclosed. Of course, that comes with the "what do I know?" banner applied. Hence why I'm here asking you guys....and again, thank you for taking the time to respond.

Sorry, you are quite right.... I should have been clearer. The short answer is nothing, but if I wanted to obtain a mortgage in later years then this would cause me a problem as I understand it - it may drop off the credit file but it still has to be disclosed. I guess I'm just a bit peeved that this was done without my knowledge and that had I known I could have dealt with it. I had another credit card and the lender was fine when I gave them my overseas address. Had no problems. MBNA? Go and sell it off without a word. So this is largely my annoyance. I appreciate all the replies and the advice. I guess head down is the best policy for now....

Thank you all for your advice. Greatly appreciated.

Thank you. No, they used the last but one. And again, this may have been an issue with MBNA not updating or not passing it on. the only way I'd find this out is by digging it up. I suspect MBNA never updated my details but I think the DCA chose over two years later to use my parents' address. Interestingly, no paperwork at their address regarding the matter, although they did use to return mail. But not much ever came.

surely if you can prove you were abroad when the claim was issued that's a slam dunk set aside.... but you still need to counter the debt Thank you. Would proving that I was abroad at the time work? I certainly can - had a foreign work visa with entry stamp in my passport, employment contract, bank account in the country I was in etc. if MBNA didn't update then that might count against me. Counter the debt? Could do this only with information - CCA and SAR requests. And from what I've been advised here, that might not be a good idea....

Thanks. Just concerned that they have two years to do all of that now...

Thanks, I might try the SAR, although as I informed them over the phone I am reliant on MBNA updating the information at the time. What can I do about the amount being wrong - as in at least 2k over what I owed MBNA? Also, what if the DCA never had the required paperwork? Had I known at the time I would have challenged them for this. Is it still possible to do so?

Hello, I have discovered that there is a CCJ from 2011 for over £7k against me. I think it relates to a credit card with MBNA. The thing is, at the time of the issue of the CCJ I had been living abroad for over two years and had informed MBNA of this fact - never received a reply. The CCJ was taken out by a DCA and not by the original creditor. I doubt my change of address was noted. Instead the CCJ was taken out at my parents' address - which was not my last known UK address, but my last but one. I would have disputed the amount as this seems incorrect. I also would have issued a CCA to ascertain whether the DCA had the necessary paperwork for legal action. I received no information regarding this matter and was totally unaware of it until yesterday. My intention is to apply to have it set aside. However, there is the timescale involved - is it too late to do so? Also, the DCA may argue that they were unaware of my change of address and that they served at my last known address (although they didn't). Is it possible to make a defence that I dispute the amount and that I would have made a CCA request? Is the fact that I was never given the chance to present a defence a defence in itself? That I never heard from MBNA that the debt had been sold or from the DCA that they had purchased the debt?