Hi all,    I received this letter after ignoring all previous letters. Firstly they wanted payment before the date on the letter itself.  I have requested SAR from VCS and I’m in process of emailing ELMS to deny the debt.  what else do I need to do please, I’ve read a few posts that mention bylaws ? But I’m not sure which bylaws apply Any advice would be appreciated.  thanks  10,01,2021-11:15:34:am.pdf