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DLC doing my head in


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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.

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

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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 ?

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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

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  • 7 months later...

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.

 

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Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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