Hi, In 2006 I ended up in a lot of debt that I could not afford to pay. I ended up entering a financial management programme with Daniel Chandler Ltd. After 6 and a bit years I still owe my creditors money and still keep getting late payment letters even though I have never missed a payment to Chandlers. The debts started off as Capital One credit card, Lloyds TSB Loan and Lloyds TSB credit card. It seems however that these debts keep changing hands and I have no idea now of which debt is with which company. I have had letters from AIC, APEX, BLS collections and SCM solicitors. It seems like Chandlers have made payments to all of these at one time or another. Can anyone offer any advice as to what I should do. Thanks