Hi I have received a number of emails recently from MotorMile Finance claiming an outstanding balance on a payday loan (Pounds Till Payday). I have no record of any outstanding debt but don't have records going back to 2008 to check the validity of what they are claiming. I have no record of any defaults or accounts for Pounds Til Payday on any of my credit files so am not sure how to proceed. When I asked for further information they gave me the following: This could all well be true but I have no records of outstanding debt or any records (let alone defaults) from Pounds Til Payday on any of the 3 reference agencies. Mmile claim to have purchased the debt and sent an email stating their NOTICE OF LEGAL ASSIGNMENT: I was considering a Subject Access Request to get as much information held as possible but my primary concern is the latest email which threatens to register a default on all 3 agencies against this supposed debt. Can a default be applied against a debt that has been purchased by a DCA? (assuming the Notice of Legal Assignment email is legit) Email below: Any advice on how to proceed would be welcome! I do not want unwarranted defaults appearing on credit file