Hi all, Looking for a little clarification on the best course of action to resolve a matter with debt managers ltd. received a letter dated 6th november 2012 addressed to me reads as follows Now to explain, I am in the process of resolving a couple of outstanding debts with two different creditors. I am looking to clear my debts, but want to make sure i only pay people who are entitled to the money. I responded via email with 5 days later they replied with reading over it again I realise I acted a little in haste with my reply and had not actually been accused of owing anything (although I have no doubt that is their intended end result!) I'm thinking of replying with something along the lines of- Thank you for your reply, However I refer to my previous correspondence requesting evidence of liability, which you have as yet failed to do. If you are unable to provide this evidence then I feel this matter is closed and as such request no further contact from yourselves. What do you think? do debt managers ltd work with/for certain companies? thanks in advance for any responses, it's greatly appreciated.

Ims, it was in fact lowell portfolio, but without the 'I' afterwards! hamptons legal one to look forward in the future I guess then

Thank you guys, that is sent, was going to say lets see what comes next but this morning I received a 'you have 5 days to pay or agree a payment plan or we will send in the dogs... err solicitors' letter. I have adapted Letter A from the creditors and DCAs section in the library stating i am seeking advice on the matter and asking for any action to be held on the account for 28 days. Cap 1 should get back to me with the SAR information in that time and I cna then proceed to get the charges removed. Thanks again for your input so far Very happy cagger

Hi, Firstly I'd like to say how useful I have found this site in the past. Now to the matter in hand. A couple of months ago I received a letter from Lowell portfolio I, with regard to a capital one card I had several years ago. I replied with a CCA request and heard nothing in 4 months. (Unfortunately my laptop hard drive failed in this time so no longer have my copy of the CCA, but it will of followed a template from here.) Lowell have since sent me a copy of my original credit agreement and a letter stating neither themselves nor capital one see any reason why I should not pay the debt. Having looked at the CCA, I applied for the card on 8th December 2003, Experian show the account to of entered a state of default in November 2006. More importantly it shows that I chose to take the 'highly recommended' Payment protection Insurance, Basically I would like to confirm my next step would be to perform a SAR and if I should sign it or not. Thanks in advance for your help