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My other half is being taken to court by these guys for an unpaid loan from the bank of Scotland the sum is £1680 plus Intrest . Now he's never had a loan with bank of Scotland. But has with Halifax which I believe is all one group now ? . I'm unsure whether to admit the loan or defend . Think the loan company who have it now is central credit . Should I ask them for the original loan agreement or would they have to have this in order to take him to court ?