I wonder if anyone can give me some advice. In 2000, I took out a £3000 loan with Northern Rock. After a short while, my job fell through and I fell behind with my payments. Northern Rock employed a DCA to collect my payments, which I made every month until 2004 when I received a letter from the DCA telling me to stop making future payments. I can remember phoning Northern Rock to ask what was going on, to be told by the operator that my account had been closed. I heard nothing more from them until 28th October 2013, when Northern Nock informed me by letter that my debt had been sold to Marlin. Today, 30th October 2013, I received a letter from Marlin asking for repayment of an outstanding amount of £2238. I honestly thought I had fully repaid this loan years ago only to be contacted over 9 years after being told the account had been closed. Can anyone advise me please?