Gemmag84
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Help I have just obtained my credit file a couple of days ago because i want to get a mortgage in a few months. There is a decree on my file going back to 2015 which i knew nothing about. I contact the court to find out more information, they gave my the lawyers details who made the claim on behalf of their client. It was a debt going back to the mid 2000's for a catalogue, in 2007 to 2008 i was dealing with a debit management company and they were paying all my creditors and speaking with them on my behalf. the company sold the debt off to a debt agency in 2010 or just later, I have not made any more payments since 2008 as no one ever chased me again for the money, the lawyer told me that I made a payment of £2 in 2010 and i said that is rubbish, i didn't pay anything cause no one chased me again. They said because i made payment in 2010 it means they have up to the 5/6 years to still pursue me through the courts, i said yes had i made that payment but i did not. They had old numbers and email and home address for me that is why i didn't receive the court papers or anything. Can i still have the decree recalled? I didn't make anymore payments to them from 2008 or contact. Thanks Gemma
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