Egg/DLC debt advice needed please!

[jlhmside]

Hi guys

 

Just wanting some advice.

 

I have a debt with Egg that was passed over to DLC collections agency. the debt got passed over in January 2006 and was for £3700, I have been paying DLC monthly payments that they have talked me into increasing they have had the last 3 months £72 a month which is wayyyyyy more than I can afford.

 

They phoned earlier on (I expectd this call as knew they wanted to 'review' the monthly figure) and I said I wasnt in. What I am wanting to know is how do I get them to lower the figure a month.

 

At the moment I am not working (although I am looking for work) and am only in receipt of tax credits. My partner pays all the bills etc but he has debts as well so we have no extra cash.

 

any help or advice would be appreciated.

 

Does anyone know how I could get Egg to handle my account again?

 

Thanks

 

Jlhmside

[mrmarmite]

ok, 2 things you can do.

3 actually,

 

CEASE all telephone calls, never phone them, if they ring you dont answer security questions,

 

2nd send a CCA requset to check they can legally collect this debt,

 

as to payments if you unemployed you are unemployed simply TELL them that by LETTER ! that you unemployed and you can only afford £5 per month,

 

send cca with £1 postal order recorded delivery, if not have a wonder round through other threads in this section to see how the CCA works and what benefit it can be to you should they not have 1

[jlhmside]

Hi thanks for the advice

 

Il start drafting a letter to them now - just hate the way they use scare tactics to try and get more cash out of you

[mrmarmite]

thats what they do best, look in template library for CCA request,

 

when is next payment ment to be due???

 

if it's 2-3 weeks away JUST send the CCA and say nothing else, remember not to sign letter with true signature and send by recorded delivery with £1 postal order,

 

IF they keep ringing you look in library for harassement by telephone letter and send as well.

 

DCA's keep pushin and pushin till u give in, CAGers NEVER give in, there is a law out there that DCA's SHOULD abide by, WE make them abide by it

[jlhmside]

payment is not due on the account till the last day of the month. I have made a payment every month they have had it. and i think i have been pretty reasonable.

 

do I need to put anything specific in the Im unemployed P*** off letter?

 

thanks again

[diskmandave]

What I am wanting to know is how do I get them to lower the figure a month.

If £1/month is all that's in the budget send an updated budget sheet showing that this is all that is affordable. They won't like it and will possibly even refuse it flat out, but at the end of the day if a pound is all that's there and you've acted reasonably and presented a budget there's very little they can do.

 

And as has already been suggested, stop talking to these people on the 'phone.

 

Best wishes, Dave.

[diskmandave]

payment is not due on the account till the last day of the month. I have made a payment every month they have had it. and i think i have been pretty reasonable.

 

do I need to put anything specific in the Im unemployed P*** off letter?

 

thanks again

Here's a link to a helpful template letter;

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html#post162356

 

Regards, Dave.

[jlhmside]

thank you for the advice and the template, will probably be looking for more advice soon!!

[jlhmside]

letter went today x

[mrmarmite]

ok, just sit back and wait

[jlhmside]

They phoned this morning twice - they have been told not to phone!!! you'd think they would close at weekends! advice anyone xx

[spamheed]

if you can bring yourself to answer the phone, don't answer any of their security questions. tell them "in writing only" and hang up

[Docman]

But keep a record of when they called. Ideally, ask them to repeat the agent's name, the name of the DCA and the time and date of the call before you refuse to answer their 'security' questions. keep the log of the call for later use

[jlhmside]

had a letter this morning accepting the payment plan- really wasnt expecting that at all!!

[spamheed]

So lets look at the evidence.

 

they insist they want a higher payment figure each month, you object that it's beyond your means, but they insist nontheless.

 

you request a copy of your CCA to verify they have a right to collect the debt

 

They suddenly have a change of heart and accept your payment plan. out of the goodness of their hearts? yeah right!!!

 

sounds very much like they don't have the paperwork, I would let them default on the CCA, don't respond to their letters in any way, unless they can prove they have a legal right to collect on the debt