DM limited/emmaellis

[emmaellis]

hello please help!!!!!!

 

Early this year i received a final demand from Dm Limited and quite a threatening letter at that saying i owed 600.00 and if it wasnt paid baliffs would come round. at the time i was struggling financially and panicked. When i phoned them they were extremely snotty and said the debt was from 10 years ago when i was a student and it was BArclays BAnk that wanted the money back. I said i couldnt remember having this debt and no paper work from 10 years ago for me to refer to. Stupidly i offered them a repayment. I have paid back 300.00 pound worth of the debt already. I looked for advice at the time and the advice i received was just to offer them a small amount. anyway to cut a long story short they are now harrassing me at work as i am paying less back a month.

 

Should i cancel the standing order. or now because i have paid some of the debt back am i admitting the debt so will have to continue.

 

PLease help.

 

maiden

Edited November 7, 2008 by emmaellis

[WelcomeItAint!]

Hi Emma

 

What I would do in your position, and I am actually in the process of doing it now, is to send a S.A.R ( Subject Access Request ) to them. When you do this it means they must supply all documentation relating to your account within a certain timescale, even down to recordings of telephone calls !! It is well worth doing this. You will need to in your request, enclose a postal order for the value of £10.00 which is the maximum amount charged under the Consumer Credit Act.

 

I have enclosed a draft I have sent myself as per below is it is any use to you. Good luck !

 

WIA xx

 

Lender

1 Gimme my money back

right now

or else

HAA HAA

DATA PROTECTION ACT 1998

SUBJECT ACCESS REQUEST

Dear Sirs

I understand that you currently hold details of my personal and financial information within your internal record systems with regard to my Loan Accounts.

Please supply me with a complete list of transactions and charges relating to the history of my loans with your organisation. Alternatively a complete set of statements for the loan accounts is acceptable. I would be grateful if you would provide the following for all loan accounts I have held with your organisation (including but not limited to):

· Full copies of all contracts which you believe exist or have existed between myself and your organisation, including true copies of any documents you hold in support of the same.

· A complete list of all transactions or statements relating to all my Loan Accounts with your organization.

· Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to me.

· Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organisation or third party which contains my personal or financial information, or which pertains to me.

· Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorized officer of your company, confirming the dates and methods of destruction of this data.

· Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

I enclose a cheque / postal order in the sum of £10.00 to cover your fee. You have 40 days in which to comply under section 7(10) of the Data Protection Act 1998.

IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION.

I look forward to hearing from you in the first instance of receipt.

Yours Sincerely

Miss T Tba

Enc.

 

 

Make sure you keep a note of when you need to chase them. Even if you dont end up needing this info, it is handy to have and you may come to need it in the future.

[emmaellis]

thank you so much.

Should i cancel the standing order which is currently set up for the amount of 10.00 a month

[emmaellis]

by the way wrote to you again before i read the reply. Your a star x

[WelcomeItAint!]

Its not a problem. I will try to help if I can but I might not always know the answer so someone else may pop along and help better than I could. I hope it goes ok for you. By the way, when the debit the money from your account every month, does it show up on your bank statement that it is the same company taking the funds ? I would be enclined not to trust anyone ! haha

[WelcomeItAint!]

Hi Emma

 

Just wondered how you were getting along with your claim ?

 

WIA xx

[MARTIN3030]

Will move out of Welcome forum.