Hi My parents ran into some financial difficulty a number of years ago with Lloyds TSB. Lloyds closed the accounts and my parents reached an agreement with them to pay a monthly amount on the debt. In 2012, Lloyds sold the debt to Cabot Financial. My parents continued paying the agreed monthly sum and have never missed a payment. Cabot have now written to them saying: "We can confirm that we hold three Lloyds TSB accounts in your names. The accounts were grouped as one consolidated loan, when the accounts were originally with Lloyds TSB. The payment that you were making was being split pro rata across these accounts. However, now that Cabot Financial owns these accounts, they have been separated and we now require a repayment arrangement for each account." My (terminally ill) parents don't want to deal with this at all - they've handed it to me and just want to be left alone. I've not spoken to Cabot yet but wanted some advice before I do - I guess the key question is can they change the terms of the original agreement for this reason? TIA