Hi All, newbie here hope you can help. My partner had a debt from Barclaycard which was taken over by HFO in 2008. After some communication and threats of Baillffs from HFO my partner agreed to pay a set amount each month, which she has continued to do so ever since. In the intervening years she has tried to contact them to advise of change of address etc and also to ask for a settlement figure but has been unable to make contact with anyone from the company. During this time she has never received a yearly statement from HFO. We have since heard that HFO are no longer in business but the direct debit that is in place is still being called every month and being paid. Can any of you advise us on what we should do?? should we continue to pay or stop the DD. How can we find if the debt has been discharged etc?? We have checked her Credit report through Experian and they make no mention of the debt. Heres hoping you can help us out with some advice.