Hi. I have a problem and I would value some advise please. We are in the middle of a claim. My husband had a lot of debt, including defaults and two ccjs. The loan relevant to this aplication was sold to a third party. After some time, we made an agreement with this new company, to pay a large lump sum to settle the debt. It has now been settled for over three years, which is reflected in our improving credit report. Will the bank be able to keep some of the money from our claim, to compensate themselves for the deficit between the total loan and what we paid off? No one in the bank will tell us for certain. In my mind there is no loan now, but some of my friends have said that they might take the difference back.