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dl&c winner

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Everything posted by dl&c winner

  1. hello everyone I have as you may know had 2 charging orders registered against me by DL&C these were discharged in court in February as DL&C did not produce the required paperwork. They have just contacted me and say that they are going to take me back to court as i still have not paid the amount owing to them. I did point out that they are acting illegally by continuing to collect the debt and that the courts were not happy that they had had plenty of time to prove that i owed the debt and they still hadnt been able to. What I need to know if anyone can help is what they can do next can they still chase the debt even though these charging orders were discharged and they have still not provided proof of the debt This time they also contacted me by phone via a third party pretending to know me and then the call was transfered are they allowed to do this Thanks to anyone who can help
  2. Hello yes we have had 3 charging orders against our property through this company, luckily we had a very understanding judge who once we had pointed out the relevant sections of the consumer credit act she was happy to discharge the charging orders due to non compliance from the DCA it all depends on what paperwork you have had so far from the courts. Let us know and I will advise you if I can.
  3. Hello to you and thanks for the welcome, as far as we are concerned we now believe that DL&C can no longer persue this debt as they were unable to provide the courts or us with the paperwork to prove that we had a debt in the first place. A few days after the final charging orders were made DL&C sent us a letter to say that they had been granted the charging orders and that they were sending in the baliffs to collect goods to cover the debt. At the time that we went to court for the hearing for discharge of the charging orders and this information was given to the judge she was horrified stating that DL&C were not allowed to do this as they already had a charging order. We were lucky on that same day that the charging order was discharged and on the same day the paperwork was ordered for the next charging order and the muppets at DL&C still did not learn their lesson and sent the same paperwork as they had for the charging order that was discharged, Thus leaving us with the second charging order being discharged and DL&C losing more money. Considering how quickly they were willing to send out the balliffs letter originally we have not heard from them since and now believe that we should ask for all CCJ's and defaults to be removed from our credit file forthwith. I am also contacting all other credit cards and making sure that they actually have a regulated agreement under the consumer credit act in order to legally collect alleged debtsfrom me.
  4. Basic Account Customer Join Date: Mar 2007 Posts: 1 we beat hillesden securities / mbna/ dl&c well the first thing that I have to say is THANKYOU!!! to the people that heve given information on this site. We have between my husband and I a considerable amount of alleged debt between 16 credit cards. One of the main companies that we had trouble with was mbna who between 5 cards were taking us to court with 5 different cases and were applying for 3 charging orders. Due to my husband being severley depressed and during the time of the debt collection agencys contacting us constantly his medication was increased 6 fold. We have some agreements with some of the cards, who I am now going to chase up as to whether I actually have a debt with them, this is by the by.We had court papers sent to us for CCJ's, we didnt know what to do so we didnt defend them although we didn't admit them either we did send back a statement of incomings and outgoings, we then had a letter stating that they were going to apply for a charging order against our property. There were 3 in total one for 2999.00 which we paid, 1 was for nearly 12 thousand pounds and another for over 15 thousand pounds they took us to court and had the final charging orders agreed in december 2006 and february 2007, although the judge did order that the paperwork that I had asked for way back in july 2006 be provided for the court and ourselves DL&C didnt provide the correct paperwork at that time and hadn't provided it to us within the pescribed time so the judge discharged tyhe charging orders savins us when we sold our property 27 thousand pounds !!! What a result..We wouldn't have known about section 78 [1] and [6] without you. If anyone needs any help or advice then We are here for you I may not know all the answers but will try to find out Dont be frightened by DCA as they only rely on the fact that the consumer doesn't know the laws that can protect them and they never follow the laws that they are willing to use against you. vbrep_register("687939")
  5. well the first thing that I have to say is THANKYOU!!! to the people that heve given information on this site. We have between my husband and I a considerable amount of alleged debt between 16 credit cards. One of the main companies that we had trouble with was mbna who between 5 cards were taking us to court with 5 different cases and were applying for 3 charging orders. Due to my husband being severley depressed and during the time of the debt collection agencys contacting us constantly his medication was increased 6 fold. We have some agreements with some of the cards, who I am now going to chase up as to whether I actually have a debt with them, this is by the by.We had court papers sent to us for CCJ's, we didnt know what to do so we didnt defend them although we didn't admit them either we did send back a statement of incomings and outgoings, we then had a letter stating that they were going to apply for a charging order against our property. There were 3 in total one for 2999.00 which we paid, 1 was for nearly 12 thousand pounds and another for over 15 thousand pounds they took us to court and had the final charging orders agreed in december 2006 and february 2007, although the judge did order that the paperwork that I had asked for way back in july 2006 be provided for the court and ourselves DL&C didnt provide the correct paperwork at that time and hadn't provided it to us within the pescribed time so the judge discharged tyhe charging orders savins us when we sold our property 27 thousand pounds !!! What a result..We wouldn't have known about section 78 [1] and [6] without you. If anyone needs any help or advice then We are here for you I may not know all the answers but will try to find out Dont be frightened by DCA as they only rely on the fact that the consumer doesn't know the laws that can protect them and they never follow the laws that they are willing to use against you.
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