When I was a student back in 1997, I took out a Barclaycard and eneded up getting arrears. I moved campus address and did not tell Barclaycard. However, they did have my home address as well (Which is where I live now).

I think I stopped paying my bill in January 1998 but I'm sure that my dad paid it off for me.

I have just checked my Equifax report and it states that a default was put in place in 2007, ive never heard anything from them.

I would pay the debt, its only £400. But, I have been very careful with my credit sibnce then and this obviously looks as though I went into default in 2007.

Are they alowed to do this?? what can i do?