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  1. Hello everybody I hope you can help me, today I received a letter from DLC regarding a very old debt from Black Horse Ltd (original loan was taken out through Chartered Trust way back in 2000/2001) with the amount owing of £1,886.59. The letter is as follows: Dear XXXX Your account County Court Claim Number XXXXXXXX We have been trying to work with you in resolution to the above claim for which we have obtained a County Court Judgement. As there is still a balance outstanding, your account has been placed with Cabot Financial (Europe) Limited to act as the agent
  2. Quick question. If you have already had a bad debt (sorry minds gone blank on the word) on your credit file for 5 years on a debit (the 5 years is now over) and the creditor can't find ur CCA agreement and you moved home. Forgot to inform the creditor and a letter from a different creditor (11of them) turns up on your door step. (10 statements and one letter to say I've failed to inform them). Can they issue a CCJ against my file on the same debt? Also do I have to inform them I now do live at this address. They asked me to contact them without furth
  3. Hi, I received a letter from Ruthbridge over a DLC debt which has been assigned to them, this is very old although payments were being made to dlc through a dmc in 2011. I received this letter threatening to make me bankrupt! I decided to send a CCA request to them and have just received a reply today returning my postal order. This states 'we write further to your recent correspondence requesting information with regard to our reasons for contacting you. We take note of the points you have raised in your correspondence, however we must advise we are no
  4. Hi Guys, I have received a few letters from Clarity which started with the usual we are trying to contact someone, which I ignored (why help them?) then came the "you owe us loads of money" letter, which I also ignored because I see why I should ring them or do anything initially. Then came the "we will send round the FieldCall people to discuss the fact that you owe us loads of money" letter. I was not too purturbed because a) I had been chased almost a year ago for almost the exact same amount by Lowell, who finally admitted they were wrong and appologised for writing to me (I had
  5. Hi, I sent out a CCA request to DLC, who were collecting for an old Egg debt; I have been paying £1 token payments to them every since the account defaulted over 6 years ago, and due to having moved house a couple of times since, have completely lost track of what has happened with this as the standing orders were set up to come out automatically. Last week I received a response to my request from DLC stating "we returned the account to Egg in July 2010, who have since ceased to trade. We assume that your account has been acquired by a third party company and we suggest you
  6. Morning, folks. I'm in a particularly odd and confusing situation so any assistance in clarifying where exactly I stand would be greatly appreciated. In 2010 I took out a credit card with Virgin Money. In 2012 I defaulted on this due to financial difficulty and depression. I do not remember receiving a default notice from Virgin Money. It's possible I received a default notice from MBNA, but I closed an account with them in 2006 (I have the letter) so would have discounted it. In January of 2017 I found out a CCJ was registered against me with Hillesden Securities as the clai
  7. Hi, Hope someone can give me some advice on this. Ok, here's my back story... I fell into debt in 2009 after getting out of my depth with catalogues etc, I did have a car on HP at the time but couldn't afford that either therefore it had to go. I'm pretty sure I handed the car back to Black horse in early 2010, unfortunately I cannot remember the exact date or the last time I made any payments directly to BH, but assume it was a few months before I handed the car back. I joined a DMP (Debtline) in 2010, which I was in until 2011. I paid £120.00 a month for several debts, t
  8. Hi guys, hoping someone can assist with the latest letter received from DLC... Below is a long-winded background to the simple question - "What do I do next?" I wrote on the 27th July 2016 requesting my CCA: Template removed - read our rules dx And received a statutory response on the 9th August 2016 stating DLC had requested it from the original lender, MBNA. I heard nothing until today, opening the attached scanned (and redacted) letter from DLC. In summary they state: Due to the age of the account the original executed agreement is currently unavailable; &a
  9. Hi, Had a letter today from DLC regarding an outstanding CCJ, in that letter they are stating that it is currently being enforced by way of a charging order. Now I've done a bit of research and it appears that they are stating they have a charging order against my property. The thing is I live in rented accomodation and havent had a mortgaged property of any sort since 2009, this is now owned by the local council who bought it following repossesion. My question is, are DLC being fraudulent by claiming a charging order exists or does one still exist at my old property.
  10. johnnyboy44

    DLC refund

    Hi I have recieved a couple of letters from DLC stating i have made an overpayment and i am entitled to a refund. I did pay off an old debt several years ago but have no idea if the ref number is anything to do with that. Are they a reputable company or is it a [problem]? Any help will be much appreciated many thanks JB
  11. Today received MBNA's response to my CCA request - a mail-in application from 2000. The two 'halves' don't appear to match. The application refers to data protection info. in condition 12 but condition 12 on the other half is about payment holidays. Possibly it could refer to a different condition 12 on a tear-off list but who knows? I'd be grateful for any comments and suggestions of what my next move should be. I haven't paid anything for a few months although CAB is supposedly negotiating a six-month freeze but I'm still receiving statements with about £500 extra interest each mon
  12. hi i am posting this on behalf of my wife .. she has a debt owed to mbna for £2600 we hadnt heard anything on this for 5 years but as its 11 months off statue barred its popped its head up.. have a cca here to send off just unsure who gets it the debt was owned by dlc but a recent letter says they was placing the account with Cabot Financial (europe) and their next step would be to pass the account to restons solictors had no letter off cabot but a nice one turned up off restons threatening a ccj .. .from what i read here their pretty true to their word. .
  13. Sorry if I'm repeating old info, I have had a read of other posts but these all seem to be at CCJ defence stage and I'm not there yet! Details are as follows: Hillesden have been chasing me for a payment of £848 for as long as I can remember. The debt was passed to DLC and most recently to Cabot. Mortimer Clarke are now chasing me on behalf of Cabot and claim that they will take me to court if I don't respond with a suitable payment arrangement. The van was returned in 2007 and my last payment on the debt was Sept 2008 (according to them). I do not know when it defaulted exactly
  14. Defaulted on an £8k secured loan 3 years ago which has now is now £13k when I lost my job. Since then I have been working but the jobs have been much lower paid I would not have been able to pay my contractual payment of near £300 per month. I've been on reduced payments for 3 years now. Every 3 months I have to send my bank statements and they question every entry they believe is not essential and I have to justify why I spent money on that item. Well I'm really fed up with the patronising collections and I want to tell them I'm working but I don't earn th
  15. hi all, A Family member has just received a ccj claim form, I have filled the form out as best i could, we are almost 100% sure it is statue barred and believe they are just chancing it, Hillesden securities Limited t/a dlc Date of issue – 14 DEC 2015 What is the claim for – The claim is for the balance of installments due & unpaid under an agreement dated 12/07/2005 & under which Black Horse LTD agreed to sell the defendant goods for a price payable by installment('the agreement'). The agreement was assigned to the claimant. PARTICU
  16. Hi All, I had a judgement against me in favour of Hillesden Securities t/a DLC back in 2014. The judge applied a charging order to my property and I have been paying by standing order £45 per month ever since. Today I have received a notice of sums in arrears from DLC even though I have not missed a payment since I started paying them, they actually also list the payments I have been making on the notice. I may be wrong but the agreement I have with DLC started on the day the judgement went in their favour and a payment plan was agreed, this being the case I am tech
  17. Been in arrears with SPML, had warrants suspended, paid off arrears then fell back again. One month ago before Judge X the case was adjourned until 13th February pending the payment of £4156 before 31st January. Due to matters beyond our control this did not happen. However, at court on Friday we were listed to sit before a nice lady judge, Judge Z. When SPML's solicitors realised this they weren't happy especially as Judge Z was quite obviously leaning in our favour. She even said 'in the current economic climate repossession helps neither party...'. But my oppo managed to persuade
  18. Hi, and apologies if I've filed this in the wrong section - sleep deprived trying to research how to respond to the above. The particulars of the claim are: The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Black Horse Ltd dated on or about Apr 30 2008 and assigned to the claimant. PARTICULARS a/c no xxxxxxxxx DATE ITEM VALUE 10/11/2015 Default Balance 7xxx.xx Post Refri Cr NIL TOTAL 7xxx.xx Issued on 02 Dec and I've co
  19. Just had a lovely chat with someone at Mortimer Clark. I'll call him Matthew, for that was what he called himself. He declined to give me his mobile number, employment status or value of rent or mortgage - but I guess that's only fair since I declined the same information. He was very keen to discuss a loan that "their client" apparently bought from BlackHorse some time ago, but since I knew nothing about them and have had a dispute running on it for so long that I'd forgotten it ever existed, we didn't get very far. Hit stalemate regarding the dispute as I wasn't pr
  20. Ok so looking for some advice.. 12 years ago I had finance through black horse. I have not made any payments or contact since 2007. And they gave up except send me a annual statement but this didn't happen every year. There is nothing on my credit report to do with them. I have recently bought a house for the first time and then the other day I received a statement and then a letter asking for payment. This was sent to my old address. I have not acknowledged the letter. Can they still Persue after 8 years of no contact? and is my house safe? The debt was unsecured . What do I do next? Thanks
  21. I currently have 3 credit card debts which have been defaulted and are now with DCA's and have been paying them off to varying degrees for 5 ish years. I'm in the position where I can offer reasonable full and final settlements, so decided to send CCA requests to them all to hopefully help me with the negotiation. None of them replied within the 30 days so I stopped paying. I'm not trying to avoid paying, just negotiate a reasonable figure. I've had a response back from DLC re an MBNA card I took out in November 2002 ( I have 2 with them). This card is showing on my
  22. Hi Am hoping someone can help. Originally had a loan with Black Horse - long story short, we hit hard times and the debt was not repaid. (This was originally a single loan, then further on became joint loan) Black Horse gained a CCJ, that was not defended, and later on secured a charging order against our property. (The property is a shared ownership). Had a letter a couple of years ago saying the debt had been sold to Hillesdens. Since then they have sent the occasional letter giving a sum of arrears etc. There has never actually been an agreement to pay.
  23. I am in the situation where i was the victim of ID Fraud from a previous address. Hillesden have been at me for the last 18 months. I told them i had no knowledge of this debt, put up or shut up and take me to court. I did the usual and put it into official dispute. They came back and stated they believed i was the person that they were after and now seek payment. Now after a 6 month lull i get this. Looking through various threads it seems that hillesden purchase the right to use the Alpins letter head as a frightner. Is this true, or do i nee
  24. Morning, I just would like to share this with you and see what your opinions are on it. Background is that I had an MBNA Credit Card and ran into financial difficulties after loosing my job. The agreement was then terminated and later on sold to DLC/ Hillesden Security. They put me under a lot of pressure and we agreed on a monthly installment payment. That arrangement worked from about 2006 to late 2009. At the time, I had come across CAG and was dealing with other debts which I had with other companies. . During this period, they were increasing the install
  25. Hi Everyone! With the lovely support on this site, i sent a CCA request on Monday to Ruthbridge who i have been paying a token payment of £1.00 for over a year and to Direct Legal and Collections prior to this. This is an old debt of MBNA going back as far as 2005 for £15,107.00. Today i recieved the postal order back, with the CCA letter stampted recieved and also a slip stating "account returned to our client Direct Legal and Collections", question is do i now send a CCA request to Direct Legal and Collections or wait to hear from them. i also h
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