This one may be very quick "discontinued" but.... The brief history is - 03/2011 - Last payment made on account. Wrote Barclays to request true copy of signed agreement 08/2011 - Mercers letters 01/2015 - MKDP letters - Responded during this period with S.78 02/2015 and followed up with 12+2 expired 02/2015 04/2016 - Robbers Way letters - I responded with dispute letter 09/2016 - Cohen letters - Responded with reminder that the S.78 had not been answered and enclosed copies 02/2017 - Queried incorrect default date on credit reference file for Hoist Ex Barclaycard. DCA didn't respond to CRA 04/2017 - Cohen letters - Responded again to Cohen reminding them of past S.78 and enclosed copies. There have been some big gaps between anyone sending the standard 'give us your money' letters and now rapidly approaching (past?) the statute barred date. I have now received a letter from Robbers Way in which they apologise for their late response and "We appreciate that you wrote to us back in November 2015 to request a copy of your agreement which you have yet to receive. We can confirm that we have queried and requested a copy of this from our clients for you". They also state they have suspended collection activities and account is on hold. That was 3 weeks ago now. At the same time as I received the above mentioned letter from Robbers Way, the record for Hoist has disappeared from my credit file, leaving only the original Barclaycard account which is marked as settled and closed in 12/2011. Is the best advice now to sit tight and now do nothing? Just had a look on another credit reference file at my data, this one is fed by Equifax.. . The Hoist original Barclaycard account is marked as closed with a current balance of zero. The Hoist account is also listed in the closed section with the old balance from the Barclay card.. With this account now being listed as closed does that mean that the DCA has marked it as such?