Has anybody else had an issue where Lloyds TSB have appointed a Debt collector, you agree the debt and the repayment amount and period. Then half way through you get a letter with Lloyds logo on it from the debt collector with their address on as well showing balance with a note saying you can clear in full or continue current arrangement. I decided to pay the odd number off, which was higher than monthly amount and then four final payments again higher than original agreement and sent the cheque monthly which they agreed in writing. When the last cheque was sent as full and final as per there letter they called to say sorry you still owe £4.9K. To cut a long story down they say it is because the debt company had made a mistake and took a discounted figure off the original debt twice, this was never shown from day one it showed £10K with outstanding debt £873.00. I refuted that I owe them anything as I had called them and noted date time asking what the debt was and was that the full figure to be told yes. Now Lloyds have passed the £4.9K onto a different debt collector Cap Quest in Fleet who are now using their bullying tactics. Any advice?