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I checked my credit report today and was suprised to see a default account on there! When I saw the name HFO Services and the amount in question I knew straight away that it was for my BarclayCard in my student days. I did a little research and found out HFO were a vile debt collection agency and that I was not on my own. I also remember receiving a letter from First Logistics several years ago, googling them and discovering that they are a shower of, well not very nice things, and ignoring them. Furthering my research I discovered the best option was to start a thread and seek help on my situation, as each one varies. So, this is my post and any help will be much appreciated. I will of course donate to the site in due course and update the thread as actions progress through the different hoops I am sure, and willing, that I will have to go through. I am also looking to get on the first rung of the eternal debt machine of the mortgage, and this will of course hinder my progress!