Thanks again for all your advice. I will let you know how I get on.

Thank you very much for your advice. Re- the £600 It was worth a shot. The debt is my own fault and I've never been delusional enough to deny that lol but I think I've been more than reasonable with them and now I just want to do whatever I can to make things difficult for them. Just so annoyed with them considering I did my best to try to pay this off. If it does go to court- and at this stage I actually want it to, then I think the judge will look very unfavourably on them. I am aware they have somewhat of a dubious reputation. How I would love a judge to hear the recording of the phone conversations. Will make a donation to this place anyway. Great site. Thanks for all your help and will let you know how I get on for the benefit of others.

Got a response from a nice person even though i posted it in the wrong forum saying I could send the CCA request anytime- so would it not look strange that I had been paying them and now I was telling them I no longer acknowledge any debt to their company? Also if they fail to respond to the CCA request can I then claim back the £600 I've already paid them. If so that would be great. Would donate whatever I could afford afterwards to this place.

Thanks and I found the right forum in the end- the DCA one!! i feel like a right muppet now. Had been following links in other thread but kept getting- invalid link or something. Meh. Thanks for answering anyway.

OK- took me ages to find the right forum but I think I have it now:D Hi all-again. I hate to come on here and ask a question first without contributing to discussion but I promise I'll give others my experience with the likes of CARS and Demon in due course. Both of which I managed to get rid off because I was in the right. Anyway moving on to DLC- Ran up bill on MBNA credit card- £3700. Hit hard times and could not afford to repay it. Moved to Ireland for a year and when I returned DLC it seems were now dealing with the debt and contacted me about the outstanding balance. I started making repayments of £30 per month- regularly getting phone calls threatening to take me to court unless I paid in full. In August in order to clear the debt within 5 years I agreed over the phone to pay £60 per month. Now 8 months on I get a phonecall telling me they want to "review" the account and asking if I have a payment card to hand. I asked that I be informed both there and then and by written correspondence of the amount outstanding and how much I had paid off the original debt. The response was- What do you need to know that for? I said I was not going to review the account unless I had those figures and I was told- well we'll just take you to court and sue you then. Since then I've had a letter from their solicitors telling me unless I reach an agreement within 7 days, legal proceedings would begin. I thought I already had an agreement- they were going to get their money. But even if I now bent over backwards for them to make this new agreement I know that in a couple of months I'll be harassed again. Even since then one of them has contacted me about setting up a payment plan again. I think they know they can't bring me to court. So I'm happy for this to go to court now and will seek recordings of all phone-calls as proof of harassment. But I was wondering- since this little upstart on the phone effectively ended my payment plan/agreement with DLC and the letter from the solicitors seemed to indicate I no longer had an agreement in place with DLC could I still send a CCA request to them? You know- telling them I no longer acknowledge any debt to their company and that I wanted proof of deed of assignment if they owned the debt as they have never told me whether they were acting on behalf of MBNA or if they owned the debt. I have only recently found this forum and would appreciate any advice. Also wondering if DLC/Hillesden are entitled to see my wage slips even if they own the debt. Thanks in advance.

Hi all. I hate to come on here and ask a question first without contributing to discussion but I promise I'll give others my experience with the likes of CARS and Demon in due course. Both of which I managed to get rid off because I was in the right. Anyway moving on to DLC- Ran up bill on MBNA credit card- £3700. Hit hard times and could not afford to repay it. Moved to Ireland for a year and when I returned DLC it seems were now dealing with the debt and contacted me about the outstanding balance. I started making repayments of £30 per month- regularly getting phone calls threatening to take me to court unless I paid in full. In August in order to clear the debt within 5 years I agreed over the phone to pay £60 per month. Now 8 months on I get a phonecall telling me they want to "review" the account and asking if I have a payment card to hand. I asked that I be informed both there and then and by written correspondence of the amount outstanding and how much I had paid off the original debt. The response was- What do you need to know that for? I said I was not going to review the account unless I had those figures and I was told- well we'll just take you to court and sue you then. Since then I've had a letter from their solicitors telling me unless I reach an agreement within 7 days, legal proceedings would begin. I thought I already had an agreement- they were going to get their money. But even if I now bent over backwards for them to make this new agreement I know that in a couple of months I'll be harassed again. Even since then one of them has contacted me about setting up a payment plan again. I think they know they can't bring me to court. So I'm happy for this to go to court now and will seek recordings of all phone-calls as proof of harassment. But I was wondering- since this little upstart on the phone effectively ended my payment plan/agreement with DLC and the letter from the solicitors seemed to indicate I no longer had an agreement in place with DLC could I still send a CCA request to them? You know- telling them I no longer acknowledge any debt to their company and that I wanted proof of deed of assignment if they owned the debt as they have never told me whether they were acting on behalf of MBNA or if they owned the debt. I have only recently found this forum and would appreciate any advice. Thanks in advance. Also- are they entitled to see wageslips even if they own the debt?

opps sorry- posted it in the wrong forum. My sincere apologies!!

Hi all. I hate to come on here and ask a question first without contributing to discussion but I promise I'll give others my experience with the likes of CARS and Demon in due course. Both of which I managed to get rid off because I was in the right. Anyway moving on to DLC- Ran up bill on MBNA credit card- £3700. Hit hard times and could not afford to repay it. Moved to Ireland for a year and when I returned DLC it seems were now dealing with the debt and contacted me about the outstanding balance. I started making repayments of £30 per month- regularly getting phone calls threatening to take me to court unless I paid in full. In August in order to clear the debt within 5 years I agreed over the phone to pay £60 per month. Now 8 months on I get a phonecall telling me they want to "review" the account and asking if I have a payment card to hand. I asked that I be informed both there and then and by written correspondence of the amount outstanding and how much I had paid off the original debt. The response was- What do you need to know that for? I said I was not going to review the account unless I had those figures and I was told- well we'll just take you to court and sue you then. Since then I've had a letter from their solicitors telling me unless I reach an agreement within 7 days, legal proceedings would begin. I thought I already had an agreement- they were going to get their money. But even if I now bent over backwards for them to make this new agreement I know that in a couple of months I'll be harassed again. Even since then one of them has contacted me about setting up a payment plan again. I think they know they can't bring me to court. So I'm happy for this to go to court now and will seek recordings of all phone-calls as proof of harassment. But I was wondering- since this little upstart on the phone effectively ended my payment plan/agreement with DLC and the letter from the solicitors seemed to indicate I no longer had an agreement in place with DLC could I still send a CCA request to them? You know- telling them I no longer acknowledge any debt to their company and that I wanted proof of deed of assignment if they owned the debt as they have never told me whether they were acting on behalf of MBNA or if they owned the debt. I have only recently found this forum and would appreciate any advice. Thanks in advance.