Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
hey everyone, i'm new to this website so please be kind.
3 weeks ago i received a phone call from dlc, saying we owed Egg 15 missed payments, we told them that our debt was paid in full as we paid our last payment in nov 2008. we then phoned egg to ask for details, they told me they had deleted my account, if that is the case how can we owe then money, we have receive further phonecalls from dlc, we have explained to them that we would not pay a penny till we received proof of missed payments, we have had no respose ( just one of those postcards wanting to come and visit), can any one please help, i have asked my bank for statements dating back to 2002 so i can check for myself. but if they have no account how can we owe them, we have had no reminders or any other written response from egg saying we owed them,
can someone please advise me
many thanks
i phoned my bank last friday but not received them yet, i'm willing to pay if i missed payments ( which i doubt) surely Egg should of sent some demand( it's been 10 months since our final payment). dlc are being a pain with constant call, we have told them to write to us and not phone anymore but they have only sent a little postcard lol ) they really think i'm think and will just pay
thanks for your quick reply
i think so, we moved back to uk in jan so got rid of all our paperwork (but am sure we did) do i send a letter to Egg or dlc?demanding statements and other relevant paperwork,
thanks gayle
the statements are from my bank so i can check the payments for the loan, they were coing out by Direct debt so i can check if i missed any. Egg didn't contact us to say they were getting dlc involved surely they cant do that ?
thanks gayle
we contacted them every time we moved with our new address, and our mail was forwarded to our new address, if dlc was able to find us how come Egg didnt?
we're forces so we move every 2-3 years, thy sent us mail to cyprus and germany via BFBP( british forces post office)
thanks
For £2 you can get your credit report from Experian, as Maroondevo said. If Egg genuinely got into a muddle, they will have (mis)reported to Experian who would show all the world you missed payments on 15 consecutive months. Egg would also have issue a Default Notice long ago. If none of this has happened, then it looks more like conspiracy than muddle with the DLC trying it on. The full SAR response amounts to a pile of paper one inch thick, and usually takes Egg many weeks. Just a complete reprint of your back statements will come much sooner.
Unless of course, your name is John Smith, with many other John Smiths on BFPO, and wires got crossed all over. The culprits who cause you undeserved distress will have to pay for it when reported to their licensor the OFT.
thanks will ask Egg for subject access report and see what happens! and check all the bank statements ( will be faster than response fome egg)
thanks for all your help
egg and dlc
from dlc, saying we owed Egg
Reply With Quote
