Hi all, Hoping for some guidence over the next few months if possible... A quick history... 4 years ago suckered into paying Total Refund £390 to assess 2 loan agreements (Egg and Barclays), letter recevied couple months ago to say TF gone into administration and I had lost money...no surprise there. Also recevied cheque from Barclays in settlement of PPI claim which I didnt even know was going on (only good thing to come out of my stupidity of pay TF). Now I have Credit Clear Services asking me for £149 to progess my Egg claim to the next stage of 'Defended Action' - I think they can go jump...I've learnt my lesson! I've been paying into a DMP for almost 5 years....situation has changed over the years meaning my payments went up and down - hind-sight I should have just gone bankrupt 5 years ago then I wouldn't still have £15k outstanding! Anyway......my Egg loan (approx. £7500) has been sold to Apex. I follow my DMP online with Payplan and in the 'Creditor' section there is a line that says 'Product Name' and next to that it says 'Apex Purchased Debt 6%'. Do you think this means that Apex purchased this debt from Egg for 6% of the outstanding amount? Bearing in mind I was on a reduced payment plan with egg for 4 years so I assume they have written it off a bad debt for tax purposes? Today I have CCA'd Apex. My plan is if they come back with the agreement then I will offer a F&F for 10% of the outstanding balance (I have already paid Apex 12% of the bought balalnce through my DMP). There has been a default relating to Egg on my CF since May 2006 and is due to be removed next year...what happens to the outstanding balance next year when the default is removed? Does the account still show on my file but without the default or is it completely removed and never put back on? If someone could advise on the few Q's I have and I will keep you all posted over the next few weeks / months re the CCA requests. Cheers Miss