Ok, another thread from me..... . I have an old Welcome Finance debt (2007/08) which was sold to MKDP LLP back in March 2010. I made a CA request which was ignored so put the account in dispute. Since then I have been bombarded with letters/phone calls from the above debt collectors. I've finally received a 'credit agreement' and some statements of account, and here is where it gets interesting... Firstly, the credit agreement does have my signature on it, but all of the figures and text including the terms & conditions are blurred and totally illegible, on that basis can I put the account in dispute stating that my s77/78 request has not been fulfilled?.... Secondly the statement of account caught my eye, as it's an original statement from Welcome Finance, and on it the last entry reads " date xx/xx/xx DEBT WRITTEN OFF.....BAL 0.00" with no mention on the statement of any sale of transfer of debt.. ...I have found through my old paperwork the Notice of Assignment from Welcome stating that "The effective owners of this account are MKDP LLP" and that this NOA is effective from date of receipt. The interesting thing is that the NOA is dated a week after the debt was written off on the loan statement, so have Welcome transferred this debt correctly?.... My initial view is that as the balance was written off and zero'd on an official loan statement a week before the binding date of the NOA then MKDP bought an account with a balance of zero so the debt does not exist?..... Once again, any thoughts and guidance would be very much appreciated