Hi, I was wondering if you could help, my sister just recieved a copy of her Callcredit report and she has a CCJ registered in 2004 in a court in Northampton even though she is from Northern Ireland, can I assume that this should have been issued in Northern Ireland? Also a debt collection agency called Cabot has issued a default in 2005, can a debt collection agency do this? She is very unsure what to do next as she needs to get credit in the near future and this would need to be corrected. Also, does she need to check the other two credit agencies or does Callcredit have the same info?

Thank you