I have had problems with this company for months after a loan they contacted me about 8 years after the original loan company stopped communicating to me. I have had bully boy tactics all the way through and they are very threatening. I have just got off the phone to them telling them about the advice from this site. I remained firm but polite but they weren't, the person quoted before hanging up "I've had enough now we are now going to send the bankruptcy papers out" What shall I do now?