Apologies if this is covered elsewhere but there is so much information and commentary I cant keep up with the situations. In my case I had a credit card with MBNA and unfortunately established a debt with them. An agreement was reached to repay the debt and regular payments were being made . For no apparent reason MBNA then sold on the debt and it has been "sold" on several times since and I cant keep track of who and when these transfers have occurred but the common denominator appears to be Arrow Global . When MBNA first stopped taking my payments I stopped making any contributions