Hi When MBNA sell a debt on to a debt collection company, in my case Moorgate, should the original defaulted MBNA record stay on my file? I had two MBNA credit cards, both defaulted in 2011 when they sold the debts on to to Moorgates, (having not missed any payments!!) yet both MBNA remain on my credit file as closed in 2011. The Moorgate accounts are on my file as well, shown as closed Feb 2015 because I've just paid them off. Should these accounts be duplicated? When First Direct sold my debt to Arrow Global the First Direct account disappeared. Thanks you

Hi, I wondered how you got on with this? I am in the same situation as you with MBNA only applying defaults once they sold my two debts on to Moorgate, 4 years after starting my DMP in 2007. They are also duplicated on my record, so it looks like I have 4 defaults instead of 2. I have just been able to pay off the last of my debts this month and have started to try and clean up my credit file. I hope it was a happy ending?