Help re DLC

[Salfordian]

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.

[Salfordian]

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