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  1. I am a long time reader of these forums and have gained some very help full advice from them. I have looked for an answer to my query all over the forums but not got a definite answer, so here it goes. I also hope I am posting in the right place. I have been paying cap-quest for a credit card debt on and off for almost 6 years and regularly £5.00 every month for over 2 years. It dropped off my credit file last year. I have not received a single letter off them or account status/statement in over 18 months. The last I heard from them was when they turned down an offer I made as a full and final settlement (I came into a small amount of money and managed to pay off all but two debts) they told me It did not matter if the default dropped off my file they would just keep it on my file (I know this was incorrect from reading other forums) and I had to keep paying them for ever or until the debt was paid. so what I am basically asking is 1. Do I have to keep paying them for ever or can I just stop and ignore there threats and hot air? 2. are they suppose to send me an account statement on regular basis if so are they in breach of any thing I can use against them? 3. If I do stop paying are they likely to apply for a CCJ? as if this is the case i would rather keep paying them as only got 18 months till all my defaults are off my file. I know some of this is in other forums I just need to clarify things on my situation so it clear in my head. Hope some one can help.
  2. hi there just wondering if there any point paying defaults on creditfile various debts of various years 1-5 - if i do pay will it improve my credit worthiness or will not matter or not pay get hounded for 6 years by leeches if default has been issued that damage done paid or not looks bad on me ?
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