Ahhh,so as they have been assigned to collect they can default too...I get you Brigadier cheers

Thanks for the quick reply,yes the DCA defaulted me,I thought how could they default me when they dont own the debt,cheers

First post here and i'll start by saying hello all and thanks for a great forum.. Ive had a debt with MBNA which in Jan got passed to Moorgate I made 3 payments with them, the debt then got passed to Arden, after hundreds of unanswered calls and messages of them I sent them a cca request. They sent me a statement trying to fob me off I sent them a default letter, now Moorgate have sent me a letter saying they dont have a copy but are chasing it from mbna. I cant believe ive paid them some money and they dont even own the debt and the cheekey lot have defaulted me since Jan on my credit score Im going to sar mbna as ive ppi on the loan which when I became unemployed couldnt claim because I was working for an agency (04/05).. .What should I be expecting from Arden/Morrgate and can I get the money ive paid them back and my credit rating returned to how it was prior to Jan??? Thanks