Hi, I apologise in advance if this is some what confusing, so here goes.
3 years ago I took a loan with Speed Credit which was subsequently passed to Marshall Hoare Bailiffs.
I kept up regular payments until I received a call saying they had gone into administration
and would need to wait till someone bought the debt to continue my payments.
I was contacted since then by Digital Finance Services via email telling me they had bought the debt and I owed x amount,
I replied saying that was fine but I wanted it in writing rather than via email confirming this. Never heard anything.
I have since sorted all my finances out and have a very well paid job that has enabled me to build a healthy savings account and current account.
today I went to get a new car and was refused credit which confused me
I checked Noodle and saw all these missed payments because of the above mentioned debt.
Where do I stand as I have never missed a payment went it was due and it is not my fault the firm collapsed.
Any advice would be much appreciated.