There is nothing on any of the reports relating to MBNA or Ruthbridge. I don't know whether the debt has been assigned to Ruthbridge, I just know they were the ones collecting the debt for MBNA.

Hi Andy, yes I did check them all and there is nothing showing on any of them. My credit rating on all three was good.

Hi, first post here so hopefully in the right thread. I have a debt of approximately £7,000 for an MBNA loan that dates back to 1998. I defaulted on the loan in 2001 and my debt was passed first to a recovery agent called DLC and is now with Ruthbridge. Due to my low income, I have been making regular but nominal payments since then - currently £30 a month. On checking my credit file with all the major reference agencies recently, I noticed that my debt was nowhere to be seen and my credit rating is now good. The questions I have are: What has happened to my debt?Can I stop paying Ruthbridge?If I do, will the debt suddenly reappear on my credit rating?I have had no communication from Ruthbridge for a couple of years and I am scared to contact them partly because the last time that I spoke to them they were so rude and aggressive.Any advice would be greatly appreciated, thank you.