Thanks DX. I understand what you're saying about the date, but sending them that letter with my current address, would that not give them an opportunity to take things further in case if the debt isnt SB yet? I will look over the weekend if I can't find proof of that payment just in case. I'm just worried that tehy can make me worse problems for a fairly low amount of £150. .. and more worryingly why are they waking up so recently with calling my mobile phone. .. that one really got me confused but thanks for your advice.

I believe it was yes... probably submitted by either MBNA or the first debt collectors it was passed on in the first place to who I may have paid this £150 already (I'm not sure of this part too) I remember seeing it on that credit file many years ago which prompted me to contact MBNA to ask why this amount was still showing but didn't get anywhere with them as they told me the debt was passed on elsewhere. However this was many years ago and nothing has happened until the last few weeks with phone calls and now on credit file. maybe because in october the default will be 6 years old

Hello everybody, always found a lot of useful stuff on here but first time post as this is a bit more specific, need some help about the right thing to do. A few weeks Ago, started receiving voicemails on my mobile from Marlin and Bramber asking me to call them which I never did. never spoke to anybody on the phone as they would probably ask me to verify details which I won't do. Just noticed today that an old debt for £150 (re)appeared on my credit file. The debt wasn't there few months ago. Itis linked to a credit card I had with MBNA. I believe this debt was settled with a different collection agency ages ago... . so long ago that I can't remember when and where I may have paid that money if I ever did.. . I remember contacting the credit card company asking about this outstanding amount on the account but they told me, They wouldn't deal with it anymore. i haven't heard from anybody since that. (currently living at a different address from the one where the card was registered) The start date shown on the credit file for this debt is 01/10/05 and default date shown on the credit file is 15/10/07. I have never acknowledge this debt to Marlin or Bramber. What should be my next move?? Should I try to prove them that it has been paid already if it has? I'm not sure of that... :-\ should I wait October to see the debt removed from the credit file and hopefully have the date status barred? what can the debt collectors do as their next move? is it worth paying this £150 if there is a risk of court judgment that would make my credit file worse?? sorry for the long and boring post but thought I'd give as much details as I have to get some advice from you.... Thank you.