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hiya.

Im going to apply ilr on the basis of 10 years. i used 2 credit cards 4 years bk and never pay them bk but i never received any letter abt ccj from any where but debt collection companies keep contacting me till now. any advice plz.

Check to see if you have a CCJ on trust online.

i got a similar situation

i think i got one or more utility bills not paid due to house changing, how does this affect my application?