Thanks Martin, ARGH! I thnk I have accidentally misled you. The loan was originally with LloydsTSB, but was sold on to a DCA. It is only now that I am well enough to tackle the situation. Hopefully a brief outline of the details will help. Like most people, I had bank loans, and while things were normal, they were not a problem. When I became ill, my employer finally stopped my wages after the statuatory time period. Things quickly became desperate, living on overdraft, food shopping on credit card etc. In my confused state, I thought it was obvious to go back to the bank and get more money! :o. I arranged an interview with the manager of my local branch, explained everything,and I do mean everything. She was very happy to give me a loan, plus insurance,and I recall, tried desperately to sell me house insurance as well. At some point, sorry but I do have large memory blanks, I know I also signed up to a private pension scheme, as I thought I had to keep the bank happy. Of course, there was absolutely no way of paying back the loan, my mental illness was out of control, and I have not worked since this time. Eventually they sold my debt to the DCA's. What I want to do is begin to tackle my debt issues, but deep in my heart I'm sure I should not have been sold the loan, which also then stopped my original loan insurance kicking in, which would have protected me for at least a year. I truly do not know which way to turn here, and have no idea how to begin tackling the issue. If anybody could advise me in any way, particularly where to start!, I would be so grateful Pantheon

Hi everybody I'm not sure, yet, whether I am being harrassed by a DCA, but I have the feeling it may be the beginning. Over the past seven days I have received two chillingly "friendly" telephone messages requesting me to contact a telephone number, without stating who has made the call. As well as this, in the same period of time, I have also received two letters, informing me that my account is overdue for an assessment, with a jolly little cut-off piece for me to send them, by return, with an increased offer of payment. Of course I will return it eventually, with a decreased offer, don't they know times are tough !! A positive point though, because of the sinister and threatening tone of the first telephone message, I checked the number out online, and within minutes I was here at the Forums. I love it when karma kicks in

Thank you for your replies, certainly plenty to digest here. In answer to Martin3030's question, the bank in question is LloydsTSB, and goes back to a loan in 2002, which I was sold, including insurance, when I was suffering from a mental health illness, which they were aware of. DMG

Hello all Another new member here, found this site by accident , and am very pleased I did. I'm gonna have a good look about, and hopefuly post in the right threads. I have a particular interest in the irresponsible selling of bank loans, and would really appreciate any help offered. DMG