DLC doing my head in

[dorts]

hi, i am getting letters to my previous home from DLC regarding a debt from Barclays, £981, I havnt been in contact with either and the letter last letter headline' Annual statement of account' said the 'original date of agreement is 01/08/2004, about 2 years ago i noticed on my credit file that i think they restarted the clock on my debt as they said we had been in contact with each other(that is what i think happened)is there anything i can do about this, your help is greatly appreciated.

[Ell-enn]

When did you last make a payment on the account or acknowledge the debt in writing?

[dorts]

Thats the thing, i havnt, it seems to me they have done something to restart the clock

[Ell-enn]

Well they'll have to prove how the clock has been restarted if they want to take it any further. You'll need to watch DLC like a hawk the're pretty litigious - if they've only got your previous address then they could issue a court claim and get a ccj by default if you don't get to know about the claim. Do you have your mail redirected ?

[dorts]

Thanks Ell-enn for the reply,,,,,its an old address, my sister still lives there and passes on the mail to me. Do you think I should contact them to find out.

[Ell-enn]

Don't ring them! they'll only try and bully you into making a payment over the phone or admitting the debt - send them the affixed letter by recorded delivery and see what they come back with.

 

Keep a copy of the letter for yourself and also check on the royalmail website a few days after posting to print off the signature receipt - staple the receipt to your copy letter and keep in a safe place in case you need to prove they received it.

Prove it Letter.doc

[dorts]

Thank you for that, I will keep you posted on what happens.

[sir_gilmour]

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.