Hi I know its been a long time since the last posting but by any chance you still connect to this site but could you give me details of the FOS Decision Reference Number so I can see how they arrived at their decision. Thanks in advance.

Thanks for the reply. Just to clarify on both Clearscore and Noddle the lender is shown as Moorgate - (Britannic Rec) and NOT MBNA. Does this mean that Moorcroft are the owners of the debt? If so and no Notice of Assignment was served how can this be? In no NOA served then can I request all updates to the CRA from Moorcroft to be removed (including DPM marker), as it was illegally assigned and they had no authority to pass data to the CRA's? As the debt is since been paid in full am I right no one can update it further if no contract exists? Just in case I confused anyone the DCA is Moorgate - (Britannic Rec) NOT Moorcroft.

Thanks citizenB for replying. However does it make a difference that I was never actually issued with a Default Notice, as far as I recall I was just informed it was being passed to Moorcroft. No default appears on a credit search just a DMP flag. Which now raises the issue can they pass or assign to Moorcroft without either a default notice and / or notice of assignment. Thanks citizenB for replying. However does it make a difference that I was never actually issued with a Default Notice, as far as I recall I was just informed it was being passed to Moorcroft. No default appears on a credit search just a DMP flag. Which now raises the issue can they pass or assign to Moorcroft without either a default notice and / or notice of assignment.

Back in 2008 I entered into a DMP with PayPlan, at that time I had 5 creditors, 2 of which were MBNA. I have now repaid in full all of my creditors. During this time MBNA passed my 2 accounts to Moorcroft Debt Recovery, no defaults were issued and as far as I can recall I did not receive any notice of assignment. After passing to Moorcroft payments continued to be paid by Payplan. Soon afterwards 2 DMP flags appeared on my credit file, in addition the balance was being updated on a monthly balance, showing a reducing balance. I understand that these DMP flags will remain for 6 years from last payment. What I am trying to find out is are Moorcroft allowed to update my credit file if they are not the original creditor? Or if it has not been assigned to them. I thought only licenced credit agencys could update your files. Bottom line is I would like to find a way to remove the DMP flag and I thought if MBNA passed the debt to Moorcroft and debt is now settled I could request the removal of the DMP flag as it was only applied after Moorcroft took over the debt and who are not allowed to update the CRA as not licenced. I hope it makes sense. Thanks in advance for any advice.