Jump to content


DLC haved refused my I/E because of my dog - Its a citi card


Honeypot
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4988 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

My life is so **** at the moment. I see no point in living anymore. A new letter today from Hilsden-

 

DLC have refused my I&E payment offer because I have included my dog in the essential outgoings. He is a ridgeback so he eats quite a bit and so it costs a bit.

 

They have told me that it isnt a legal outgoing and I will have to take him to a shelter if I cant afford my debts as its a luxury.

 

Please can anyone tell me if this is this true?

 

Vicky

xxxx

Link to post
Share on other sites

  • Replies 149
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Tell DLC to either accept the offer or litigate. For a start if it went to CCJ stage a judge would only order you to pay what he thought you could reasonably afford & depending on your circumstances (including the dog) that could be as little as £1 per month.

Link to post
Share on other sites

can you let us know what the alleged debt is for? if it is a credit card, or something else that is covered by the consumer credit act, it may be worth sending a letter asking for your cca..if they cannot supply this within 12 +2 working days then you need offer them nothing...also if they do supply post on here and we can let you know whether it is enforceable or not

Link to post
Share on other sites

Please don't feel like that HoneyPot! I am a mother too - and before finding CAG there were moments when I felt so low - I wondered why it was all worth it. However, even if this agreement is enforceable it is irrelevant - you can only pay what you can afford. I would call their bluff - I have several times (DLC are muppets) - they tried to refuse my offer of payment - I said "go ahead take me to court and lets see what a judge says" - I swiftly had a letter from them accepting my £1 a month offer!

x

Link to post
Share on other sites

Don't speak to them on the phone ever again and why are you discussing your income and expenditure with them? It is none of their business and they have no right to ask for it. Only a court can ask for details of your income and expenditure. Offer them £1 a month, tell them that is all you can afford and if they don't like it they can take you to court where a judge wouldn't ask you to pay any more given your circumstances. I still think you should have these agreements checked. You are in charge of this not DLC and quite frankly I wouldn't let them worry me for a nansecond. They are all wind.

Link to post
Share on other sites

i totally agree with last 2 posts...you tell them what you can afford, do not answer the phone to them..you didnt ask them to ring..pay them the minimum..if that is a pound so be it..they wont take you too court...and do not let them intimidate or frighten you..remember they have no more power..than i do...last of all..please dont despair..remember you are among friends on here and we will do all we can to help... have you had the agreements looked at? or did they tell you they are enforceable?

Link to post
Share on other sites

i know you shouldnt phone but DLC said if i dont call a judge will view it as debt avoidance. I am honestly not avoiding anything just want them to stop scareing me

 

Hi debt4get

 

Yes they are enforecable. Been checked on here. Thats why I know they will take me to court and im a homeowner too.

Link to post
Share on other sites

Hi, as has already been said, do not speak with them on the telephone. I see from the original post that they actual put the refusal because of your dog in a letter!! Keep hold of that for now.

 

Also, no DCA has any right in law to ask you to give them your Income and Expenditure in any way shape or form, it is nothing to do with them. Only a County Court Judge is entitled to that information!

 

We really do feel for you at this moment in time, most, if not all of us have been in despair and felt so low, but you have just taken a very big step in posting on CAG. The thing to remember is it is your life and your income, which first and foremost you owe to knowone but yourself and your family. DCAs' can huff and puff all they like they are virtually powerless and just hide behind vague threats.

 

As has been suggested the first thing you need to do is to find out if you even owe a debt to them, and then find out if it is enforceable by a Court of Law, so CCA request first off and that will hold them and should stop them in their tracks for the next 12 + 2 days to give you some time to build up your strength.

 

Remember, your only concern is your life and your family - live it your way and don't let their threats etc. affect your decisions in life at all.

 

:mad:Climbs off soap box :D

Link to post
Share on other sites

that is absolute rubbish...they are simply the lowest of the low...if they ring again tell them in writing only....and insist....debt avoidance indeed...let me assure you if you pay them a pound a month there is no way they will go near a court...as it will be seen as wasting the courts time as you are paying..even if they went to court a judge would only order you to pay a pound a month if you arent working

Link to post
Share on other sites

Dont let these idiots get at you. Do not speak to them on the phone and do everything in writing from now on. I have got a dog too and i would never give her up (see my pic). She is a useless guard dog but i would never be without her.

 

I have dealt with these idiots on for my mum. She started paying them £1 a month (they never asked for I & E) then a rude woman phoned my mother and threatened her saying she had to pay £5 a month or they would come and take the kids stuff. Mum phoned me as she was very upset. I immediately fired off an email to DLC saying they were getting paid and all communication is to be in writing only. They apologised and we have had no problems with them since.

 

A year ago i was up to my eyeballs in letters from DCA's then i found CAG and i have taken control, got myself organised and i can deal with whatever they throw at me. I now deal with DCA's for my mum and my brother who have both been threatened with allsorts of bull**** off DCA's. I love getting stuck in and fighting the DCA's.

 

You have got the one thing DLC havent and thats CAG.

Edited by Blondmusic
:cool::cool: Blondmusic :cool::cool:
Link to post
Share on other sites

A court will see not talking to them as debt avoidance? Their lies are wondrous to behold. It is because you have been speaking to them and listening to and believing their total drivel that they have got you into the state you are in. Don't let them do that to you. Everything in writing and the offer of £1 a month then tell them to Foxtrot Oscar.

Link to post
Share on other sites

who are DLC.........I NEED TO KNOW

 

ARE THEY ACTING ON BEHALF OR DO THEY OWN

Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

Link to post
Share on other sites

who are DLC.........I NEED TO KNOW

 

ARE THEY ACTING ON BEHALF OR DO THEY OWN

 

They are part of the Faccenda Group (chicken farmers). They own the following DCA's Direct Legal and Collections, Hillesden Securities and Mercantile Data Bureau. I did notice some interesting threads on these companies recently too.

:cool::cool: Blondmusic :cool::cool:
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...