Hi, don't know how far you have got with this. DLC have now taken over 2 of my debts - I am with a debt management company but DLC seem to be running rings around them. They will not accept my offer of early resettlement for lower figure. I am told that they have probably bought the debts for 10p in the £, and after a fended off them wanting to put a charge on my house for one debt, they have bought another of my debts, and think are gearing themselves up to buy all so that they can get me legally. My sister says that she will lend me just over half of what I owe in total, and I would like to do an early settlement. How do I go about this and how do I find out what they bought the debts for so that I can pay that amount only (which seems fair to me)??