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mysticegg

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About mysticegg

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  1. Don't forget that by hassling you over the phone and by trying to coherse you to pay more than you can afford, they are acting illegally against OFT rules. They should be reported for that alone. In my experience of DLC, the first phone call is nothing to worry about - they try and intimidate the money out of you (illegally) and threaten to pass you to legal. This is exactly what happened to me. My account was passed to the 'Litigation/Legal Department' which is probably the desk next to the woman. When I got a call from them, I was able to make an arrangement to pay. Just explain your
  2. Don't worry too much, we're in the same boat with DLC for about £600. The first call from them was threatening legal advice. I told them I could pay £30 per month until the debt was cleared and they refused. Then I got another call a few days later and the chap I spoke to said that would be OK for 3 months, and then a review. The bloke asked me to send an income/expenditure form, and they were happy with that. Have a quick look through my past posts. Chin up:)
  3. Thanks for the advice everyone. The amount I owe is the amount from the last bill I received from Orange and i'm satisifed that a SAR wouldn't yield any extra information. I've sent DLC a letter based on a sample template linked above: Dear Sir/Madam Ref: xxxxxxxxxxxxxxxxxxxxx I am writing to you as an open gesture to attempt to resolve my financial situation. We enclose a Personal Budget sheet, which shows our total income from all sources, and the total outgoings of our household. As you can see, we have little money left to make offers of payment to creditors.
  4. I'm getting quite worried now to be honest - i've seen a couple of posts from people who have had debt with DLC and have had posessions reposessed etc. Because I'm not in a position to pay what they ask, are they likely to accept lower repayments or will they just take me to court? - they said they were passing my notes on to the litigation department.
  5. They didn't actually say it had be sold or passed, I just assumed that the debt had been passed from Orange on to them, as has happened with other companies I have had dealings with. I haven't had problems explaining my situation to other companies. On the whole, they have been quite understanding (with one or two exceptions where I had to really push to get an affordable payment amount). Surely if the other companies could have demanded "Immediate payment in full", they would have done so instead of setting up a payment plan...? They must realise that I don't have the money to
  6. Hello, I am quite worried about a debt I have for £608 with DLC (passed on by Orange). I got a call today and I offered to make regular repayments of £25 per month (My wife and I are currently unemployed and we are very behind on other bills). I explained this to the lady on the phone but she insisted that I had to make the full payment as this is what was instructed by Orange. They said the best they could do is £60/month for the first 2 months then the rest of the balance becomes payable in full. I told them I wanted to make a gesture payment of £10 now, just to show that I
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