Never heard of HL, but because they pursuing the debt you should at least make token payments until you can reach an agreement with them on reduced payments, that way if they initiate CCJ action, the court will see that you have made an effort to repay at a rate you can afford. At the same time, you can request a copy of the original agreement direct from BofS or HL.... dont withold payments from HL as they will assume that you are avoiding the debt and will go down the legal route.... may i ask what the amount outstanding is and what monthly payments u are considering paying?

You are entitled to a copy of what you have requested, so keep pushing them for it. Some will argue that they dont have a copy and that nothing was passed across when the debt was sold. Is the solicitor Blair, Oliver and Scott.....? If so, thats (BOS in disguise)... Stay Cool...

BOS are very consistent with their automated call system. As an example, I had two different accounts with BOS which meant they would call me seperately on each occassion. I was alarmed at the volume of calls which on average was 134 per month. Regular protests were ignored until I wrote a formal complaint via the OFT. I also asked to speak to the duty managers which often brought a respite of 7 days grace as a result of them removing our number from the automated system. These calls often started at 0740am and the latest 2120pm, the latter ones being silent when answered. They acknowledged the OFT letter and things calmed down, but from what I have been told, the system randomly picks out telephone numbers from the system, dials the number and if an operator is free, they will answer. If not, the call is placed back in the system. I also learned that for each account, they are entitled to call you up to 5 times a day! If you have many creditors, you will get the same pattern "Are you able to make full payment on your account today?" which in turn means they are paid online collectors! I dont mind speaking to creditors, but I hate repeating myself time and time again... so dont accept it!