Thanks for the link, letter already in the post via recorded delivery! I shall let you know how it goes. Once again thanks!

Hi Guys, hoping you can follow up with some more advice please? So far I have done exactly as you suggested, I have requested a copy of the agreement and they have failed to be able to provide it. The wrote and advised it should be with me by the 14th of August but still nothing. I also requested all the information they have on file for me to which they sent just what they (DLC) had on file which wasn't a great deal. I have since responded with a request asking them to direct me to where I can obtain statements letters from Halifax etc and again no response. During all of this is still hasn't stopped them constantly calling and writing asking for more money and I have kept up my payment of £30 per month via standing order. To be honest it feels a lot like harassment now! Every phone call is greeted with "put it in writing" and every letter is greeted with a response stating that I am making payments and I am waiting for the paperwork I have asked for. Not quite sure what the next step is and hoped I could be pointed in the right direction, anything to get them to stop the constant harassment would be great! Thanks in advance guys, you have helped me so much

Thank yo so much! I have sent both letters off with standing orders. The letters they have been sending state they own the debt. Will post back on my progress. Once again thank you so much, wish I had found this website years ago!!!

Advice taken on thee DD, cancelling it now! The loan would have been taken out around 2003, I have no idea it it had PPI or what charges have been applied as I haven't seen a statement for many years. I have never asked for the credit agreement either. I am certain it has been sold to DLC. Thanks for taking the time to reply!

It dates back years to be honest, I had a loan offer from Halifax when I just turned 18 and being young and stupid I jumped at the chance as I had no outgoings at the time. Things started to mount up, I missed payments and around 2008 DLC bought the debt and I have been paying £30 a month ever since. Not really given it much thought until recently. If I cancel the DD can they just reset it up straight away? Couldn't agree more about not speaking to them, wish I had found this site before I did!

Hi, I was hoping for some advice if possible? I have had a debt with DLC for some time now and have been making a payment of £30 a month and have never missed a single payment. Around a week a go a received a letter asking me to call them which I stupidly did. After a long battle and getting no where when they started to demand the balance (in excess of £8k) which I just cant afford to pay I decide to end the call and just continue to pay. Today a had a letter from them stating their intention to issue a County Court Claim and seek a charging order on my house. The letter shocked my a little so I called them only to go through the same process of them demanding more money from me and in the end I have agreed to up my payments to £70 a month, change to DD form standing charge and have another review in December. To be honest I just cant afford £70 a month and I think their threats may be bullying tactics and a little empty. Moving to DD concerns me but its the only way they would agree. My concern is have a done the right thing and can I lower the payments if I cant manage them. What action can they take as I am willing to make payments, but only ones I can afford? Thanks for reading and any advice appreciated! J