As far as I am aware they are collecting on behalf of HBOS as any correspondence I receive from them refers to HBOS as their client. I received another letter from them today advising they are still awaiting information from HBOS and my account is still on hold

Hi, I have two HBOS loans which have been passed onto collection agencies and am looking for advice. LOAN 1: A scotloan taken out with Bank of Scotland which had a three month deferred payment period. Unbeknown to me interest was being added during these three months. It has been suggested to me that the repayment amounts and APR may be incorrect because of this. Also this debt was passed to BOS and then to Iqor. When passed to Iqor debt amount had increased by £300. Has anyone else had one of these type of loans. Iqor advised that they do not add charges to debt and despite requesting an explanation from HBOS neither myself or Iqor have had a reply from them. In the meantime my repayments are on hold. What is my next step? LOAN 2: A loan taken out with the Bank of Scotland which has now been passed to BOS. This was a loan taken out through Bank of Scotland and the agreement was signed on Bank of Scotland paperwork but according to BOS is a Halifax loan as it has a Halifax account/role number. Should I not then have signed a Halifax agreement. Is it enforceable?