Hi I defaulted on a Welcome Finance Loan many years back. I later claimed back the PPI and it reduced the figure I owed to £2051.91. The debt has now been sold on to Arvato financial solutions. They have not every contacted me for payment even though they have all my details, as I am paying off another loan via them. The debt has previously appeared on my credit history with noddle but it has now dropped off. I am planning to borrow from a family member an amount that will allow me to pay all my debts, so I can have a clear credit history for 1 year. I will be paying my family member off over 2 years with interest. The question why should I borrow money of them to pay Arvato if they are not chasing me for payment and if it does not appear on my credit history. Can anyone explain to me why I am not being hounded by Avrato for the debt??? Thanks Dave