Yes via post. Thanks for the advice.

Hi, This is a long story but basically I had a number of lloyds accounts (personal and business) until beginning of 2005. I was ill for a few months in hospital in 2004. My dad contacted them to cancel direct debits...but they didn't..so no money coming in resulted in £855.94 in bank charges in 3 months. They said last year they'd give me these back but didn't. I'm now claiming against the bank charges but Lloyds look like they've sold the 'debt' to debt collectors and today I got a statutory demand issued under the insolvency act 1984 (bankruptcy). It's for less than I'm claiming in bank charges. I'm at the 2nd stage just this week for bank charges claim. What should I do regards this letter please? I've spoken to Ist credit ( company is bishop investigations on behalf of 1st credit) but they just say I can't claim bank charges back! What should I do please? :-?

Hi, 1st credit...pain of my life. Full of it! I'm fortunate to know the rules cos according to them they can collect any debt at any time even though they've chased me for 15 year old debt and had no contact from me within that time...have no account proof so I said better send you a stat barr letter then but nope that doesn't stop them. Complained to credit counsel that their parent company is a member of but they seem as interested as a chocolate fireguard.