12 month loan, payable monthly.

Pounds to pocket. Excuse my ignorance, what is a phishing list? Thanks for the advice and help.

I apologise in advance if this is posted in the wrong section, or the info i need is posted elsewhere on the forum. Details are as follows: I had a loan to be paid back over 12 months. I made the first payment on time. Before the second payment was due, i recieved a notice of acceleration, quoting the previous issuing of a notice of default (which was definitely not received, and there would be no reason to issue) Because of the notice of acceleration, i suspected my bank account was about to be raided to recover the balance outstanding, so i wrote to my bank and the lender, to cancel my CPA. I also took the precaution to cancel my debit card and get a replacement. I complained to the lender to ask why my account was defaulted while i was up to date with payments and i was in compliance with all the terms of my loan. They could not give me any sort of answer to explain this, and in the 12 months or so since then, i have had no correspondence whatsoever. I have registered with Noddle recently to check my credit file and noticed the loan is shown under the closed account section, and is shown as having a default date, but the loan is marked as satisfied. My question, if anyone can help, is why would they mark the loan as satisfied and closed? I suspect the loan has been sold on, but my experience of this is pretty much zero so i really have no clue what this all means. I have been placing the loan repayment funds to one side, in case they or a DCA raise their head and request payment.