My husband and I had brilliant credit and our own house up until April 98. We had several loans and several credit cards. We decided to move to Australia and sold our house, paid off the mortgage but did not have enough money to pay off the loans and cards before leaving (total debt amout about #20k). Unfortunately things did not work out in Oz because of homesickness and now we are back. We desperately would love to own our own house, this being the only debt I would ever want again. Will we ever be able to get a mortgage again? I presume if i wait till 2004 the debts will go, I dont know if they were turned into CCJs Im frightened to write to Experian/Equifax in case they note my new address. Can anyone help me please? Im desperate for any advice. Thanks

-- Cherry Allen (Drthy24@aol.com), March 20, 2000