We need advise. We have a btl with Ulster bank sold to Cabot. We were in arrears but in 2014 we entered into a new arrangement with Ulster and have kept all payments. Now they say Cabot are dealing with it because of the arrears. We went to a personal insolvency practioner for advice and he said to ignore it as we had done everything right. Also went to a solicitor who said the same. Cabot and Ulster bank dispute this. Who is correct?