I know you won't believe me but who cares... I have a mate, see your laughing already Anyway, Billy is away with REME just now and has sent me a blu asking if I would ask on here. Here it is word for word, Duke can you post on Arrse for me and see what sort of reply you get; I ran up an overdraft a few years back witha chq book. The bank knew my probs at the time and did fcuk all to help me. Any way they pestered me with letters I offered to pay what I could but they wanted more than I coud pay them. So I never paid the sh1ts anything. I know I was due them the money but they would not listen to reason. So I ended up with a default on my credit file. This will be gone in 10 months and I will have a perfect record.I have not herd from them in 4 years. However, now the time on the default is running out they have put a debt collection agency onto me. Can they still get a CCJ without serving papers on me? Is it worth comming up with payment plans even though the debt will be gone in a few months? and I could owe nothing? If a CCJ was filed against me, would the 6 years of having a bad mark on my file start again? I know this sounds realy bad, but the default won't be on the file after June, so should I just stay Dark? Cheers mate, can you let me know what they say asap. Well folks any ideas would be great. Billys away with REME just now and will be back in a few weeks. My question is... Would his CO need to know if he got a CCJ?