yeah i took out a consolidation credit agreement (not loan) with byron and keely and was paying that off, they stopped interest payments and came to an arrangment with intelligent finace. then out of the blue i had Blair Oliver Scott phoning me, i eventually dropped byron and keely and started paying blair oliver scott direct. i dont really know what happened.

a few years ago i took out a loan with intelligent finance which went into arrears so i tooke out dept consolidation with Byron and kealy which i have been paying in full. about a year ago i started to recieve letters and phonecalls from Blair Oliver Scott demanding i pay them the balance in full. i then arranged to pay Blair oliver scott a monthly direct debit for the loan. if intelligence finance have written the debt off and sold it to Blair oliver scott for 10p to the pound where do i stand in paying it, as i started to pay it am i stuck. My credit rating cant get much worse after taking out a consolidation loan. what action can i take to reduce this loan? look forward for your replies. i found out that it was this company who tried to chase me for a 3 network phone contract for money i didnt owe. i never responded to them and they never got back in touch. also why is it next to impossible to get in touch with them, ive tried the number on there website and its a dead tone. also can they really take legal action against me as they say they can. do i have to record phonecalls to make a complaint about the way they speak to me?