Hi I'm, like many others, new to this so not sure if I should post my problem here or on the BoS thread but here goes. Several years ago I took out a loan with the Bank of Scotland which was paid by D.D.each month without fail until about the middle of 2004 when, due to being late paying in money to the account for the second time in six months, my bank refused payment of the D.D. and stopped future D.D.'s to the BoS. This was no problem I just continued to pay using Internet banking. During 2005 everything was not good work wise and I missed some payments but some months when I was able I paid a double amount (two months payments). To cut a long story short - Christmas - no money - no payments - letter from Blair,Oliver and Scott requesting payment of total amount £4764.99 followed by a phone call two days later. I explained that I could not pay the whole amount and offered £100 per month and was told this was not enough. Further phone calls asking why I hadn't paid. Told them I didn't know who to pay it too. July received letter with D.D slip attached. In further phone calls from them I asked for a payment book so I could pay cash in at a bank then in a further phone call during August the person told me they would accept an offer in total settlement and what could I pay immediately. I offered £1000 to which she replied "this is not enough, have a rethink and I will phone you back this evening" Needles to say I never received a follow up call. Next letter received giving formal notice of instruction by their client to begin court proceedings without delay unless I pay in full by the 9th September. Now have received letter from Legal & Trade saying Capital Bank have issued my file to them with instructions to recover the debt. I also received a phone call from L & T requesting immediate payment. I explained that I didn't have £4000 and that I had made an offer to B,O & S. She told me that I now had to deal with them, so I offered £100. She then gave me bank account details and told me to pay the £100 today and then to call her. When I asked for her name she would only give her christian name. Have read through much of the site but still not clear what to do next as I don't know if Blair, Oliver & Scott have bought the debt from the B.O.S. Also they refer to the Bank of Scotland while Legal & Trade refer to Capital Bank. Who should I request a copy of the agreement from? I am also not sure that I have had a default notice as I don't remember ever seeing one. Can I still request this from the B.o.S and most important of all am I likely to be too late with all this and find myself in court? Any advice greatly appreciated Dave44