hi there. Yes Wescot are acting on behalf of Lloyds I believe. Lloyds didnt even give me the chance to make an exceptable monthly offer. As I have not yet communicated with Wescot and have only given my personal financial circumstances to Lloyds collections dept, who have failed to reply again and instead pass to Wescot the letter I wrote to loyds, I am wondering is either party in breach of any kind of law as to the way they are dealing with this.

I have considered a re-cliam on my ppi and will now do something about it. Thank you all so far for the useful info and help, its slowly putting my mind at rest. many thanks

Dear everyone. I will try and keep this short. Not so many years ago I had a reasonable job with a liveable income. Took on the usual amount of loans that the banks are keen to throw at you. During my loan agreement with Lloydstsb I was made redundent and could not keep up with the repayments. I had also taken on loan protection at the start as advised but later found this to be a waste of time as I did not qualify when I fell out of work for some tech reason that I did not understand. I went through the usual battle with Lloyds trying to come to some suitable repayment plan that would be exceptable. As my offer was too low Lloyds refered me to their collections dept and soon after I started getting threatening letters from a company called Wescot. Throughout and from start to present Lloyds have been so unhelpful. I have not refused to pay, I just cant afford to. I have not as yet replied to Wescot as I am afraid as to what to say. Recently as a final straw I have sent another letter to Lloyds explaining (again) my current circumstances and offer of £20 per month to start clearing my debt. As usual I get no reply from Lloyds but instead get a letter from Wescot excepting my offer. This is where I am confused. Am I paying Wescot or Lloyds and what should I do ???. As previously explained in letters to lloyds I am a single parant to one primary school age child, I struggle to find suitable part time employment that fits around the school run, am on a very low income, have no assets or savings and live in a council house that is rented by my retired father. I really am stuck in the dark as to what to say to these people and from day one this has affected my health. If anyone can offer me any help/advice I would be most grateful. Thank you all in advance.