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    • Hi @BankFodder
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Help! Letter from a DCA.


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Hi,

I had an unsecured personal loan with Sainsburys of £10,000:eek: and have run into some difficulties lately. I have just worked out a way of sorting my mess out - overtime at work, new bank account etc but it's too late and I have just recieved a letter from Albion Collections Ltd saying I need to pay them £14,962.

Obviously I don't have this kind of money so what do I do? Will they be open to negotiation and can I avoid doing this over the phone and deal with them in writing only?

I'm so mad with myself for not keeping in touch with Sainsburys because as of next month I would have been able to pay them their £216 each month.

I'm really scared that they are going to turn up at my front door now.

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Hi Boocut

we've all been in similar situattions! Your not the only one!

How old is the loan?

When did you last make payment on it?

What I'm getting at could it be statute barred?

A DCA has no right to take money off you. Never ever phone phone them. They threaten lie &cheat to make you pay.

Only a court can make you pay.

Never send them an Income & Expenditure if they ask.

Do every thing in writting.

I would send for a CCA request first - to Albion.£1.00 PO recorded etc.

Did you get a notice of assingment or just a letter saying you had to pay them rather than Sainsbury?

There are many good template letters on here that will help you.

Above all these letters from DCA's are to make you feel threatend & trap you.

Before I found Cag, I used to fear the postman or the phone calls - not any more. Thanks to Cag we know our rights better.

Above all do not panic!

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Be sure that they are entitled to collect. Have you had a notice of assignment? If not send them a proove it letter. Have you requested a CCA? If not also send a CCA request letter. Don't panic, there is a very long way to go before this gets to a court. Keep using this thread to keep it up to date.

 

Looks like I was beaten to it but we are both saying the same thing more or less.

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Thanks for the quick reply.

 

The loan is only a few years old and I last made a payment in June. I've been burying my head in the sand for a fair few months now.

 

I'm not trying to wriggle out of paying it back - I did spend it in the first place but the letter they sent me both put my back up/frightened me

 

I don't know if I should write to them with a proposed repayment plan and if I do how much I should offer them.

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BTW They have no right to just "Turn up at your Front Door". If they do just remind them of the Law of Trespass.Call the police if you feel thretend by them. Only the Postman has a legal right to vist every home in the land - Under the Royal Charter (hence Royal Mail!) They might also threaten to send bailfs - but only a court can do that - and that's if you fail to keep payments to the court.

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If you decide to write to them with a new proposed offer of a payment plan then make sure it is what you can afford!!!!!!!!!!!

Do not let them tell you what you can afford as only you know this. If they decide not to accept this, let them take you to court as any judge worth his salt will only make you pay what you can afford.

I would cca them first though to see what they come up with

Andy...

 

 

 

 

 

 

 

 

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So is Sainsburys financial part of HBOS then?!

 

If it isn't an outside agency does that mean they will be any easier to deal with?

 

(Sorry if I sound like I don't know anything - it's probably because I don't!)

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So is Sainsburys financial part of HBOS then?!

 

If it isn't an outside agency does that mean they will be any easier to deal with?

 

(Sorry if I sound like I don't know anything - it's probably because I don't!)

 

Albion Collections are part of Halifax, but under a different name to fool you into thinking they have sold it on. Most of the big Banks have their own in-house debt collection departments. HSBC have Metropolitan Coll Services.

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Hi,

I had an unsecured personal loan with Sainsburys of £10,000:eek: and have run into some difficulties lately. I have just worked out a way of sorting my mess out - overtime at work, new bank account etc but it's too late and I have just recieved a letter from Albion Collections Ltd saying I need to pay them £14,962.

 

Err.................... before paying a penny I'd ask for a breakdown of that amount... if they are attempting to charge for repayment of debt than that seems to me excessive in the extreme and a breach of the OFT debt collection guidelines.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Have sat down and had a real think about what I can offer and I now think £175 is my limit - I'd even be able to buy food after paying them!

Can somebody look at this letter that I was thinking of sending them - it's short and sweet so if anyone can add anything to fill it out a bit and make me sound like I know anything I would be grateful.

 

Dear Sir/Madam

With regard to your letter to me dated 24th September 2009. You have informed me that you have been instructed to collect a debt owed by me to Sainsburys Bank.

I’m in no position to pay the amount in full but would like to offer you a proposed repayment plan. I suggest £175 per month.

Please write back to me if you agree to this so that I can arrange the sending of the funds.

Regards,

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TRY THIS INSTEAD ;)

 

 

Dear Sir/Madam

 

Account number.............................

 

Thank you for your letter dated 24th September 2009.

The contents of which have been noted.

Due to extreme financial difficulties, i will offer to repay £1 per month.

Please note that this amount is none negotiable & no furthur correspondence will be entered into.

Should you refuse my generous offer & continue to instigate harrassment, then i will be left with no option than to report your company to the OFT,trading standards & the police if neccessary.

I trust i make my postion clear.

 

Your faithfully

 

PRINT NAME DO NOT SIGN

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Yikes that's harsh! Much smarter than my effort though. The problem I have with £1 a month is that I will never pay it back - I can manage £175 a month. But then if I say I can manage that much they might think I've got lots to spare. Hmm.

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