Old debt rears its ugly head.

fermi

Majestic wrote: »

I'm going off on a tangent here, so apologies, but can I rectify this?

In theory, you might be able to.

I practice, it can be a bit of a fight.

Would really need to know much more detail about your payment history on the account around the time you first had trouble paying it back, and what you and the creditor did and/or agreed to once you had?

There is plenty of information in this post on when exactly it is fair to date a default:

https://forums.moneysavingexpert.com/discussion/3172602

but it is quite involved, and subject to significant interpretation in some cases.

Majestic

I'll have a look.

I really appreciate your help. Thanks again.