First post so sorry if this seems a simple question. Quick background for you. Partner had a storecard which ran into difficulties late 2008. Came to an arrangement to pay back end of 2008. This was a nominal amount. This account was sold to DCA mid 2009. Only notification she got was account had been sold to DCA on the DCA letter headed paperwork and arrangement to pay was to continue and she should thank the DCA for being so kind (I put last bit in as I am starting to think they have taken a bit of a liberty with the account now). She has nothing on file from the OC about this assignment. Fast forward to 2012 and a decision to deal with debts. A check on call credit (Noddle) is showing this account as all fat red 6's since it was taken over in 2009. There is no default on the account even though its been sold on. At present rate of pay it will be settled sometime next century and of course not fall off the CRA until next century + 6years Have complained to DCA who have ignored us. Have escalated this complaint to formal complaint within thier complaints procedure and threatened ICO and FOS and anyone else I can think of if they dont sort it out within 28days. We are 10 days into this 28 days now. When we wrote we were originally trying to get the default so the account would fall off in 2015 (This suits our life timescales) We werent really interested who defaulted the account be the OC or the DCA as long as it happened in 2009. However as a lurker (everyone needs them) we are starting to think we may have been to hasty. So the question is (simple I know to you guys but this is all very new to us) do you think this account should have been defaulted by the OC before being sold on to the DCA??? And if it hasnt been defaulted then this debt is actually on the dodgy list and maybe the DCA should be sent to the naughty step? I have been reading the acticle re storecards and the judgement against Santander in spring this year. The account in question is one of the 3 storecards specifically mentioned. It is referred to as either a standard dualcard or mastercard st. ( Do you think I am correct in thinking this could be one of those dodgy credit card upgrades?) Whoops thats more than one simple question. Many thanks for anyone who would care to comment as we are starting to realise after some reading up on here and other places that DCA's might not tell the truth sometimes LOL I am not in the going to court mode as yet but a messy account making a small F & F possible and account off DRA's by 2015 would suit us. BTW value to DCA is below bankruptcy value so small fry really. PS all references to DCA's living or dead are vague as we want to protect the children. Everybodys children lol