Hello! I am new to all this and only stumbled across the website when trying to find out about Legal and Trade. I took out a student account with Lloyds TSB in 2000 and owe 1677.35 of my overdraft. I have been paying Activ Kapital £50 a month but his morning received a letter saying that Legal and Trade now own the debt. Why is this and what does it mean? They say they are arranging a house visit but I don't want them to come to the house!!