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.