Received a letter from Lombard that they are handing all my details over to Arrow Global on the 5th December 2011, today i received a letter from Arrow Global saying that Westcot Credit Services will be collecting the debt on their behalf and any dealing regarding this debt are to be addressed to Westcott. The last correspondence i had with Royal Bank Of Scotland and their debt collection agency "Arden Debt Management" was a letter sent recorded saying the account was in dispute. Arden went quiet However Lombard sent me statement on a regular basis and then they sent the letter stating that they had sold or transferred the debt to "Arrow Global" Do i do anything at this stage or do i make the first move to Westcott stating that the debt of £1727.71 is in dispute with the Royal Bank of Scotland and they have bought a duff debt. Can they put a mark on my credit file if i don't play ball. Can Westcott legally chase me for the money.

First of all Id like to say I received great help with my council tax and rossendales debt here - and have paid that off and am continuing my complaints procedure against the council and rossendales. Now I want to focus on paying off my non priority debts. The biggest is with Lloyds TSB - I feel I was enticed to take a rather large overdraft from them at quite a young age and have been struggling to pay it back ever since. Foolish of me I know but I know have to try and pay off this debt. I asked them to close my account and sent them a form detailing my other debts - and offered to pay £1 every one or two weeks (cant remember exactly and Im away from where my letters are kept at the moment). I also requested they inform me as to where I should pay the money as my account is inactive. I received no reply - after sending two or three more letters asking where I should pay my debt off still no reply. My mother has now received a letter at her address from Wescots asking me to call and confirm it is me living there and if they hear nothing they will assume the information they hold is correct and will proceed with their process. I have just (one week ago) moved to my mothers for the summer months in the hope of finding employment to earn some money before going back to uni in september. I usually live the other side of the country with no fixed abode - just a postal address at my fathers where I can get mail. I was wondering how to approach this situation? I have no money as of yet - would they use bailiffs? or court action? I own nothing of value apart from course vital equipment (a laptop and speakers as im on a music degree) Is it legal for them just to assume its the correct address if I don't reply? What if they had sent it to an empty house?!?! Also can anybody recommend a (preferably) free company that will help sort out debt payment plans with my creditors so I can start getting myself out of this mess? Regards - Elliot