sorry if this has been done to death
But i am in all sorts of panic & my stress levels are through the roof
Last week I got a letter in the post asking about a debt from a mobile phone company from arrow global resolvecall
& I’ve revived a second letter this week saying an agent will be making a visit to my property
I no longer live at the property that is my parents house but I do still have some mail sent to the address so I’m always told when i have Mail
now at first I wondered what it was as I have had no debts & my credit score Is good
I looked into this abit further and it’s from orange phone contract this is a debt and my only debt I had when I was young and lost my job through redundancy, when I say young I mean as far back as 2006, I contacted orange at the time and asked if I had an option for reducing the deal or even cancelling and sending the phone back, which they said couldn’t happen, I didn’t even use the phone
I had a ccj on my file for this debt as I couldn’t pay which was removed around 5 years ago, when this was removed I thought that was me starting a fresh with the file as I have not heard anything since the ccj was put on my file so about 11 years
I started a mortgage application last month and for this to come up out the blue after this amount a time is so strange & is really affecting me as I’m now worried it might have an affect on my mortgage application
is this allowed?
what can I do?
any help would be greatful