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  1. Hi I'm new to this site and was wondering if anyone has experience of either Merrils Ede solicitors, Cardiff or Blair, Oliver and Scott Ltd PO box 66 Rosyth. They are both trying to recover a debt for shortfall in mortgage repayment. Our property was re-possessed two years ago by HBOS and out of the blue we have been traced to our current address by both these DCAs. Interestingly, Merril Ede are requesting a figure around 75% more than Blair, Oliver and Scott. Both have presented demands without any breakdown or statement of affairs. Both have taken a fairly robust and threatening attitude with a demand I should telephone them. Merril Ede threaten bankruptcy proceedings. Surely bankruptcy would mean non-recovery of the debt - or are they merely being vindictive? Does anyone have any light they could shine on these affairs before I tell them where they can go?
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