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There's always a risk, is all I am saying. It's worth careful consideration. :)
A friend of mine got a spurious CCJ, which meant he couldn't get a credit card, which in turn meant he could continue his balance transfer juggling act, and had to borrow £10k from a mate (not me - before I end up in Golf Club again).
Ben689908
Not without a judgement though.
A default may turn up, but only if the correct procedure has been followed, and only if there is an actual credit agreement.