not surewhat sites you are reading, but you debt theories are woefully incorrect.
being unable to prove a debt doesn't mean its removal, only the OC can do that, and as you owed money, they defaulted you and quite correctly so.
anything after that date on your file has no effect on it.
by phone I think Andy, they just asked for her name , address etc, purpose of loan, did a few checks, was asked to pay the first installment as well, from what she has said they asked for a couple of other payments!
I did not pry as she was upset, will try find out more, she was dealing with a woman called Linda
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