Hi again Sorry to be a pain but what is SAR ??

Hi Brigadier. Ty for you reply. Sorry it has taken so long to reply but i can only use a pc at work and i work funny shifts. info you requested is yes i did have a Cap1 account and i made my last payment in March 2012 I have now received another letter from Fredrickson International which reads as follows Thank you for your letter dated ***** the contents of which we note. We confirm we are instucted as agents by Cap1 and this debt relates to an outstanding credit card owed to them under the card number *************. We note that you have already admitted liability for this debt as you last made a payment in March 2012 direct to our client. If you reqoire copy documentation you can request this direct from our client at the following address (blah blah blah) As we have no record of a valid dispute in this matter and we have clarified our position and that of our client we look forward to hearing from you with your payment proposals and we are instructed to continue to pursue the outstanding balance. First of all i am not saying that the debt is not mine and that i do intend to pay as much as i can afford on a monthly basis, but i cant understand how they managed to get my address as i have moved twice since March. I have recently (and still going through) as messy marriage break up along with all the debt and stress that that incurs. I was giving my ex wife the money to pay this debt for me (because i didnt want anyone knowing my new address) and now this has come to light that she aint paid a penny and been using it for her own means Grrrrrrrrrrrrr. Now having to start a new life on my own my money is stretched with renting a place to live, bills & maintainance (3 young children) ect i have verry little of my sallary left and i am paying bits to most of my creditors. Can you give any advice or help in dealing with these people? And or what to do next. i am living in lodgings and fear any bailiffs calling possibly render me homeless. Any help or advice would be greatly appreciated Thanking you in advance A very stressed out potter2

Hi, As i am new to this forum and not really clued up on a pc i was wondering if anyone could give me some advice? I recived a letter from FI asking me to contact them if i was the person the letter was addressed to. I totally ignored their request but then a few days later recieved another letter stating that they were acting for their client Capital One to which i owed a sum of money and this sum of money needed to be paid within the next seven days or bailiffs would calling to take belongings up to the value of the sum owed I took some advice from my boss at work who was a help and he got me to send a prove it letter to both their PO Box Address & their reg address in London which i then did by recorded delivery as he suggested. I still have not had a reply from FI. I have now recieved a letter from Bryan Carter Solicitors Stating that full payment must be made within 14 days or they will recommend that thier client take proceedings without further notice. Can anyone tell me if the advice my boss gave was good advice or not, and what should my next steps be? Any help or advice would be greatfully recieved. Thanks in advance Mitch