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I'm 25 years old. I had a bank account with Halifax back when I was 15-16 and


I went over-drawn by £5 and refused to pay the extra £25 they were demanding and thus they added it to my account.


I told them to end my account and being so young and having no idea how the banking system actually worked (I left home and was fending myself at the time) and forgot about it.


I've turned 25 and know exactly what jobs I want to do but I'm terrified of applying because they all ask to do a credit check of sorts.


If I applied to these jobs, would my details be passed onto (I can only assume) debt collection agencies

(if they haven't already) and would they be able to demand the money?


I mean, there's 10 years on it and I know how extortionate interest rates can be.


And also, what would a credit check show if a possible employer reviewed it?



Any help would be received gratefully.

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nothing to worry about

the staute of limitation act means that after 6yrs its gone...dead..wiped.


get on with your life.



please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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Have you checked your Credit File to see if it shows up on their?


Also have to agree as its past the 6yrs limitation its bye bye.


So you have a Merry Christmas and stop worrying

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This definitely should not be on credit file now so no problem with job applications.

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