Bumped due to edit.

I don't understand your post.

Accounts will show on your files for 6 years after default or account closure.

Whether you seek to settle them or not before they go for CCJs is up to you.

If they're incorrect, then dispute them with each CRA where they appear.

Shorter point, they were disputed because they were identity fraud, one was by someone who didn't even spell my name right, and gave wrong date of birth, that however was opened in Jan 2012 meaning over 6 years, what confused me though was it defaulted in October 2012


As it was a Scottish debt I thought it would be off my file in 2017, the debt collector has confirmed the account has been closed and claim they will wipe it from credit file im just worried that since the default wasn't until October 2012, someone will assume English law and try and take it to court.


The other part was more complicated, a mobile phone was gotten in my name and due to shared postage box intercepted before it got to me, I had some unrecognised direct debits come off my account at that time which I cancelled but have a vague memory of bank refusing to refund one as I didn't realise till a few weeks after payment had come off (due to only getting quarterly statements and being in a depressive place at time) one was for EE I remember, this one was Vodafone, the company claimed to me when I spoke that since 1 payment went through it was a valid account and not fraud so I was liable, either way since it had a last payment made in August 2013 it should be unchasable after August 2018 so didn't know to risk chasing it up if they decide to take it to court.


That does however make me think of something else, the phone was through Phones4U which is now no longer existing, can Vodafone legally chase a debt for it? (or can only the creditors?)

If Vodafone own the debt, then they ARE the creditors.

To bring this back up, the credit card dispute has been over 5 years since last payment was made, not 5 years since the default, as stated before the debt collector has put the case on hold for a year now and stating they cannot do anything until the credit card company gets back to them I don't know if this is there way of stalling for time or claiming it means I agreed to debt.


The way it came across when I spoke to them was that they cant't do anything with my account until they hear back such as close the debt or dispute it this sounds incorrect but either way at the point they put forward the "query" to the card issuer 5 years had already passed.