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I have a Halifax loan taken out exactly three years ago. It was an unsecured loan taken out in January 2008 to consolidate a credit card, the amount was for £12,000.


I have fallen behind with the payments and am not sure what to do, it is very depressing as I had finally started to get things under control (with thanks to the good people on here).


I have recived a few letters from Blair Oliver Scott, one of them reffered to the debt as Royal Bank of Scotland but I think this is a mistake.


I am also bombarded by them on robot calls even though I have only a cheap pay as you go phone, so god only knows how they find my new number!


Am I right in thinking that as the rules change after 2007 I have no real way to try to control the payments with a CCA request? If so what (if anything) can I do?

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