that is good to know! i had been worried about checking my file for that reason plus with the wonga and flm debts . i had been worrying for the past few years about the wonga and flm debts..expecting a knock at the door.. only to find today that they had been written off 18 months ago!

i get you..catalogue might let the non payment fees rack up and interest before they decide to put the account into default. i shall access my credit dile as soon as possible and report back with my findings. thanks so much for the advice and help.

would signing up to check my credit file alert the DCA to my new address though? it would be good to know what is on file though ! not good how they used to be able to keep a file on us that we didnt have access too!

2012 and no i have never acknowledged them . i think the debts are from around june or july 2012 .. so it would be june/july 2018 that they would no longer be "owed"?

oh thanks ! i shall look into opening one then appreciated.

apparently they need a debit card to confirm my identity (noddle) . the email i received from lowells and fidelite were offering settlement amounts but no mention of ccjs. they aren't causing me any real issues.. yet! like you say a quiet DCA is like a quiet child... upto no good! i don't have any identification so i doubt i can open even a basic account, can i?

i tried clearscore but they had no report on me.. so i tried a 2nd time with different time periods for how long i lived at my current address so i could add my previous address and it said i can't access for 72 hours! and with noddle i don't have a bank account so i cannot sign up. i have never received any letters from a DCA so i assume they don't have my current address. the television licence is the only thing in my name.

ah ok . just wondered as i had a debt with wonga of £600+ which i thought would have been on my credit file. i opened i think 3 or 4 different catalogue credit accounts with isme woolworths littlewoods and o think very within a two week period.. which was about 1 month after i defaulted on the wonga loan. the credit limits were £500 ,£500 and £300 and 1 of £150 if i remember correctly. not massive amounts i know but as i am now back on the scrapheap and after reading a few emails of DCAs like fidelite and lowell trying to contact me over the last few years i am just stressing a little ha

Hi , Having just cleared up an old email account i came across two emails , one from FLM QUICK and one from WONGA, both stating that two debts had been written off. what as my little hamster brain running is, the WONGA loan, written off due to irresponsible lending. They said i should never have been accepted for a loan. now i had this loan in 2011 when i was unemployed and in 2012 i also ran up a couple of catalogue debts which i am currently being pursued for , what i am wondering is , if it was irresponsible for WONGA to give me a loan would it also have been irresponsible of the catalogue companies to have given me credit? FLM QUICK accepted me as a guarantor for a friend who paid them back over £1000 on a £500 loan that was never actually decreasing in amount owed! but it seems they ceased trading and the debt was written off. i should never have accrued the debts i know but you learn by your mistakes. well we try.