I think i was speaking a little tongue in cheek back there!!!!!!!!!. Lloyds are the pits.

Agree. They are the worst I have ever dealt with. Strange really as I believe they work primarily for Lloyds TSB who have such a wonderful reputation for dealing with customers.:o

Thank you both for your replies and will progress with the SAR's. The Debt managers are the ones in rotherham/edinburgh not doncaster as I previously said. They stated the debt was £10040 in march 2005 and I have paid £100 per month since then and it now stands at £9140 according to 1st credit. my maths isnt great but that doesnt add up. To answer the questions from elsinore.I never received a default from LLoyds bank or from debt managers or anything from Lloyds telling me they had transferred the debt to either DMA. I have a record of all payments to debt managers as they were by standing order and I have their correspondence as they only wrote to me twice. i made payments to them right up until this month when i got a letter from 1st credit telling me to stop paying debt managers and to contact 1st credit. I will follow advice to put everything in writing and have already refused to give 1st credit a phone number which seemed to make them angry!!!! Thanks for the posts. They have been a great help. Am sure i will be on again with the next installment soon.

Afternoon all. Am having a bit of a nightmare with a delightful company called 1st credit. I took out loan for £11000 with lloyds TSB about 6 years ago. I soon got into difficulties and the debts was passed about 4/5 years ago to a company called debt managers in doncaster. I paid them £200 per month for a year and a half and then £100 per month ever since. Two weeks ago I received the first of four letters from 1st credit demanding £9140. I have asked them for a breakdown of this and they are refusing to send one. I have spoken to them again today and they are saying that LLoyds do not know who debt managers are but then that they have not received a payment since february from debt managers. I cannot pay £9140 and 1st credit seem to have no interest in receiving any payments. What happens if they take me to court or what action is suggested? I am not a homeowner and have no assets so would court action be the best.I do work full time though and I was threatened by 1st credit for an attachment of earnings if it went to court.Any help would be gratefully received.

Have filed my case against capital one and have received my claim number. I have now just received notification that capital one intend to defend the claim!!!!!!!!! The letter was sent by the court Help. What do i do now????????

Good Morning all. Great site and has been a huge help already. This is my first post and quick question. Have been through lengthy correspondence with capital one regarding two credit cards that I have with them. The total in charges and interest is £1700 and they have kindly offered £500. (mmmm). I am about to issue court proceedings but need to know can I combine the two credit cards on one claim or do I have to do them seperately? Any advice would be very welcome. Thanks Jamesys