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edandbern

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Everything posted by edandbern

  1. hi, yes, im afraid the threats and the hassle got too much for us. we went to see a local solicitor and he arranged a weekly payment. in order for us to fight these muppets we need a full time solicitor, and we just cant afford one at the moment. we are trying for legal aid as my wife is on permanant disability,but i work so we may be turned down.
  2. and the other one Consumer Credit Agreement (1).pdf
  3. hi matey, i thought i had done this already. thank you so much for your keen eye. Consumer Credit Agreement (2).pdf
  4. hi, thanks for your reply, to answer your questions in order. 1. no the debt is in both names 2. my wife did discuss it with dlc 3.no need as it is in her name 4.she just made an affordable offer 5.it must be 5 months ago now, and no, i did not enclose £1 payment. i have just recieved the cca from them this morning and attach it so you can have a look. CCA001.pdf Consumer Credit Agreement (2).pdf
  5. hi, heres all they have sent to date. CCA001.pdf
  6. iv just this minute recieved a very bad copy of what appears to be the front page and the back page of a cca. it does have our signatures on it. am i now obliged to pay these maggotts?
  7. hi again, i have just recieved another letter from DLC with a very bad copy of what seems to be the back page of a standard cca. also there is the page where we we both signed. highlighted on the back copy page it says, Quote:We may assign(transfer) our rights under this aggreement to such person(the assignee) as we wish; for example we may assign a funder in the context of our own funding arrangements. if we assign,and either we or the assignee give written notice of this to you, then from time to time: . You will make payments under this aggreement to the assignee,at such bank account as the assignee may notify to you,and . The assignee may enforce this aggreement against you instead of us.unquote. am i now obliged to pay these maggotts or come to some sort of an arrangment with them.
  8. i sent the cca request about 5 months ago now
  9. can you tell me what form N245 is for please?
  10. thanks tiglet, you know what they say, once bitten, twice shy.
  11. re hillesden securities i have recieved two more threats from these people saying they are going to send someone to my house so i lost the rag and rang them. they argued that i owe them this money and that they sent the cca a while ago and that they are not responsible for the post. they did not send anything i assure you.i told them that i would not accept any more corrospondence from them unless it is in writing and sent by recorded delivery. i also told them this in a letter. i have a copy of the last letter but i am unsure how to post it on the site, any help would be appreciated.they also said that they would not spend money on recorded deliveries that the first class post was ample. i am very worried about this and dont know what to do next. help please.
  12. re hillesden securities i have recieved two more threats from these people saying they are going to send someone to my house so i lost the rag and rang them. they argued that i owe them this money and that they sent the cca a while ago and that they are not responsible for the post. they did not send anything i assure you.i told them that i would not accept any more corrospondence from them unless it is in writing and sent by recorded delivery. i also told them this in a letter. i have a copy of the last letter but i am unsure how to post it on the site, any help would be appreciated.they also said that they would not spend money on recorded deliveries that the first class post was ample. i am very worried about this and dont know what to do next. help please.
  13. hi, i sent the request for the cca by recorded delivery first thing today and included the bit about the telephone harrassment and told them that from now on the only correspondence i will enter into will be via letter.
  14. Hi, im still very new to all this so please bear with me. i may not be able to stay on very long due to ill health. 3 months ago i started to get letters from dlc stating i owed them over £3500. i found this web site and started to take the good advice i was given and heard nothing from them until yesterday. my wife in her panic phoned them up and came to an aggreement to pay them £10 a week. when she told me i was at work and told her to ring them back and tell them that until they supply the cca they will get nothing. this she did and when i got home i wrote a letter to them telling them the same and as they had threatned to come to my home again. i told them if they did this i would be taking them to court for harrassment. i am a little worried over this as is my wife who is also unwell. can anyone advise me further? permalink, you seem to have a good handle on this, any advice? would be very grateful.
  15. hi, i asked dlc for cca 3 months ago and did not hear anything until yesterday. so i again asked them to supply the cca and not to attempt to come near my door like they have threatened.i told them if they did i would add this behaviour to the harrassment claim i am already contemplating. i have also told them that any further contact is to made in writing to me and sent via recorded delivery as will all my contact with them be. have i done right. worried.
  16. hi jeff, the 12 days are up tomorrow and still no contact from dlc. i have sent them a request via recorded delivery for the cca,..................... not a dicky bird.
  17. hi jeff, the 12 days are up tomorrow and no sign of a credit agreement yet.
  18. hi jeff, i have told already that they will not recieve a penny until i recieve the cca.i will put that in writing for them tomorrow and keep you informed. i will gladly scan and post the agreement if they send it. cheers mate.signing off now,up early in the morning. speak to ya soon.
  19. hi jeff, thats good advice, and one i will act upon immediately. thank you.
  20. hi jeff, no, i asked them to supply me with it via the phone which they have agreed to do. should i put it in writing. this was yesterday the 14th march.
  21. re: dlc hi, i posted afew weeks ago about the above debt collectors. the story so far........... i have been informed by the funding corporation that they have sold my debt to the above. they have sent me a letter to continue paying them as it were the funding corporation. i have asked them for a copy of the loan agreement where it says they may transfer the loan. if i recieve this and it says on it about the transfer, do i have to pay them? sorry if i cant reply as soon as i would like as im not well with M.E. i hope someone can help me or advise.
  22. hi, thanks for your advice, is it true that i can ask the debt collectors for a copy of the agreement that i signed to say i owe them this money, and that if there is no written proof that i owe them anything then they can go and whistle. as i do not remember signing anything to say that i owe them a penny.
  23. Hi, i have just called the funding corporation to ask them how much i still owe them and to my horror i have been told that they have sold the debt. they have not contacted me to let me know and i have been paying them 25 pounds a week under a special agreement due to my dad having died and it costing me a fortune. i have kept up this payment without fail and i am very upset that they can do something like this to someone. 8 months later my mum died and i just kept on paying them even though i could not really afford it. now they tell me that the debt has been sold to the dlc and im sure they will try to put more charges on top. is this legal and do i have to pay this debt collection agency, after all i do not have a signed contract with them. any advise will be greatly recieved.
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