If you are reading this the answer is probably YES !!!!!!!
Debt management and collection companies will not tell you that you have a STATUTORY RIGHT NOT TO PAY.
Companies like ........
Llowell
Cabot
Moorcroft
PRA
LINK
ROBINSON WAY.
These organisations are debt buyers.
They buy debts for less than 5 pence in the pound from lenders after the lender closes the file and writes the debt off.
This means you owe the original lender £0.00
The debt buyer then aggressively pursues you to extract the full amount for themselves.
Any payments you make are VOLUNTARY.
These companies often threaten court and frighten people into paying when they in fact have a RIGHT NOT TO PAY........