Clearing old debts - advice needed

Must.stop.spending

I will be fortunate enough to be in a postion of clearing all my outstanding debts in approx 3 weeks time due to inheritence.

Im trying to get the ball rolling with details on who/what/how much to pay ready for when funds hit my account.

All my debt is old debt newest is 4.5 years old.
I have 1 CCJ registered April 2008
4 defaulted accounts all registered End 2007- Mid 2008
other credit cards/overdrafts that are up to date but that I plan to clear

I have spoken to the debt collection company dealing with the CCJ (HSBC loan) I have made payments to them on and off for the last 5 years but nothing in last 6 months they send me the occasional letter to remind me and threaten action but has been well over 2 years since anything from the court.. The lady told me I would have to pay the full balance on the account to settle (no settlement figure) as they have ccj and it is also registered on my property as a charge.
I have asked them to write to me with stating amount owed and confirming ccj will be marked as satisfied and charge removed.. I am then under the impression that the CCJ will be removed from my file in April 2014. Is this the correct thing to do?

Two of th defaults I have are settled so assume I just wait the 6 years for removal?
The other two-
One is with welcome car finance.. the default date was 5.5 years ago- they never chase me only send me a statement every 6 months charging me something silly like 13p a month default interest? I have noticed that they have a charge on my property is this why they never chase me?
If I was to leave this until i sell the property (which would be past the 6 years) would the default come off and therefore not effect my credit score? or could they have it reinstated?

The second is a HSBC current account again defaulted 5.5 years ago.. I have had nothing regarding this for at least 4 years - its not secured on my property and there is no ccj just a default.. again if I left this untill the 6 years went by would the default leave my credit file or could HSBC reinstate it?

With regards to settleing debts rather than paying them in full - I understand this is not the best thing to do for new debts that will be staying on file for some time but given that most will be gone in 6 months would it be the wise thing to do?

Any help would be most appreciated and feel free to ask anything thats not clear!

Thanks in advance

Lou

spacey2012

What country are you in ?

Must.stop.spending

sorry England

Lou