Direct Legal & Collections

[gotcookies?]

Hello everyone, i'm new to this site and found you after having a nasty phone call from dlc and searching google on them.

 

The story:

 

They have been managing the debt since july 06 when me and the wife owed £1400 they have been getting £5 a week since then and about a year ago they asked for more so we pay them £7.50 a week, this was all going fine until Wednesday, they phoned up and said we have not made a payment since 19 Nov, we have relised that my wife's debit card expired, that's is the only reason we think they have collected payment.

 

We have not had a single letter from them since May 08 when they wanted more money and the balance was £730ish, and no phone call's in the last four month's.

 

Now they want the full amount or £25 a week for six month's, which i can't afford, and they would not accept my offer of £10 per week, and told me the balliffs will be round, so i told them to ring back later and i will see if i have the money to make a payment, knowing i wouldn't. She rung back and my wife spoke to them, not taking any crap from them, she said i'll pay you £10 a week, That's not good enought she said and told my wife the balliffs will be round, so my wife said send them and hung up, 2 minute's later the phone rang again, it was them, so my wife shouted down the phone take me to court. ( wish i had her gut's lol )

 

They did bully me and i made a £10 payment that day.

 

Just wondered what i do now?

 

Sorry it's so long

[Shortbusdriver1969]

as many say on here Collection Agencies can not send baliffs round

as baliffs are from the court.

do a google search on codes of pratice for debt collectors so you know the game. I once delt with DLC and they woud not accept a 'offer'

kept saying on phone that the want full amount,

soI just said you can whistle for it and put the phone down, carried on paying what I offered. and they never called back and I cleard the debt

just keep paying what you can afford. as long as your paying

there is not a great deal they can do.

if you refuse to 'pay' in whole then they can take action.

hope that lets some light on the subject for you

[mr.ton]

Firstly stop speaking to them on the phone.

If they ring again, refuse to answer any security questions.

They are legally not entitled to any money off you without a county courts say so 1st.

So stop all payments immediately & demand a refund on what youve paid so far.

Report them to trading standards & the OFT.

[missdpd]

What is the debt for? As above as well You speak to them on the phone they will try their hardest to reduce to a quivering mess and give in.

[nowayjose]

DLC are one of the worst DCAs in the book as regards telephone harrassment. I have since changed my number but going back 2/3 years ago, (before I discovered CAG;)) they regularly phoned, asking us to up the payments, threatening bailiffs, forcing the sale of our house, asking if friends or family can pay. I even asked my sister to use her credit card to make a payment which they accepted and I had to pay her back on payday. I even took out Provident loans to pay back extra off the balance owed.

I m so angry that I let them intimidate me in that way, I was digging myself deeper into debt because of them. When I discovered this site, I CCA d them and they havent produced it to date. They have passed it to several companies since, so basically they are full of hot air.

I still have my house and no bailiffs have called. So dont worry:razz:

[gotcookies?]

Firstly stop speaking to them on the phone.

If they ring again, refuse to answer any security questions.

They are legally not entitled to any money off you without a county courts say so 1st.

So stop all payments immediately & demand a refund on what youve paid so far.

Report them to trading standards & the OFT.

 

Does that mean from 2006, claim back all money's?

 

The dept is from a loan for £2000 from welcome finance.

 

Thank's everyone, i really don't mind paying it if i have to, would be nice if i didn't....lol

But would like it done nicer, on my term's, should i just stop and let the court's sort it out?

 

I've been reading on here about CCA, should i go down that route?

[mr.ton]

Does that mean from 2006, claim back all money's?

 

They had no legal authority to that money & have simply obtained it off you through threats etc...

So yes - claim every penny back & report their asses to the authorities

[missdpd]

Send a Subject Access Request to Welcome, with the £10 fee, DO NOT SIGN THE LETTER, that way you will get all your statements and a copy of the loan agreement and anything else they may have on you. You need to see if they have added PPI onto the loan without you realising, and you need to trawl through your statements to see if there are any account charges that have been added, which you can claim back.

 

Once you have sent this request off, the account will be in dispute and you can write a nice little letter to the DCA stating that, dont phone them! as they will have no right to continue harrassing and collecting on this account until it is sorted.

[gotcookies?]

Hi Missdpd

Wouldn't dl & c have this infomation, if welcome has sold it to them?

 

The debt was so long ago, that i don't know welcome's reference number and i can't find an address to request the infomation.

 

Is there a template letter for the request, i've looked at the one's on here, and the closest is for the CCA

Thank's

[MARTIN3030]

They should have had the documentation supplied with assignment (When they bought the debt)

So the onus is on them to supply it.

The Subject access request will get you much more.

If you are seeking a copy of the original agreement,ask also for a copy of the notice or deed of assignment,as well as statements which show the balance when they bought it,and any additional charges/interest thats been added.They should have Welcomes ref Nos.

If they send a letter telling you that your account is on hold whilst they request it from Welcome,then you will know that they have not had it.

I think would also be a good idea to check your credit files to see that defaults and data registered there tie up.

[gotcookies?]

Thank's everyone

So should i send the Subject access request to dlc?

[gotcookies?]

Just a update i got a letter from them just now, saying they are issue legal proceedings unless full payment is made.

[missdpd]

Get that Subject Access Letter fired off today to dlc if not already done so, send it recorded so you have proof they have received it otherwise they could deny all knowledge of it.

[Pinky69]

They cannot issue legal proceedings - only a court can do that - they are just trying to put pressure on you. Get all the information you need and if there is no credit agreement, tell DLC to sling their hook.

[gotcookies?]

Hi missdpd & Pinky

 

Thank's for that, i'll have to do it monday, not got the money to do it at the moment.

 

Thank you both for the advice, that took a weight of my mind and i woke up really happy today knowing i have help.