Jump to content


Been paying DLC for 5yrs on old Abbey Card 'debt' - NO CCA!


salbee
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3483 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

Yes, you should have received statements in with your SAR.

 

I suspect they have a policy of shredding anything older than 6 years, which IMHO is wrong, according to Money Laundering and Tax laws they should keep all financial data for 6 years after the financial relationship has ended - if this account is still live, then they should have those records.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • Replies 208
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

i think you need to sar DLC

 

me thinks you are 99% to this being paid off.

 

something smells.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I've noticed that some banks and in particular santander are only providing statements with a sar if they are specifically requested.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I got a letter addressed to me only from DLC offering me help with the impact of the "credit crunch" - to pay them only £10 a month by DD or a 50% discount of the total amount owing if I pay in 21 days. The o/s balance is over £6K so that ain't gonna happen! I guess it's better for them than the £1 I am currently paying. I really don't know what to do - should I ignore? I know I have the CCA from the OC but this shower have provided nothing to date and I am stuck...

Link to post
Share on other sites

aha

 

discount letter

 

ignore!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 1 month later...

Hi guys

 

Today a new problem - a letter addressed solely to my husband from MDB (mercantile data bureau ltd) an associated company of DLC. Letter states account has been transferred to Bureau Administrator due to continued failure to discharge the current liability & all future contact relating to account should now be with her. She urges him to call her to give the opportunity to discuss before any action taken.

 

No mention of me anywhere in the letter.

 

Please help!!!

 

Thanks

 

Sally

Link to post
Share on other sites

Hi Sally,

#Send the following to them by Recorded Delivery.

 

Ref: as on their letter.

 

Madam,

 

I am in receipt of your letter dated xx xx xxxx and the contents have been noted.

 

Please not we do not deal with financial matters by telephone contact at any time.

 

Also you must be aware that this matter is disputed and that this a joint account, why has xxxxxxxxxx not received notification of the matter being transferred?

 

This lot are the ''background check makers''.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 2 weeks later...

total your payments up?

 

re-read the thread

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

OK I have totalled my payments up and they are out

- they are all listed but their sums are wrong.

 

Even with the adjustments on the balance sheet their balance o/s states £6090.83 but it adds up to £5811.83, a difference of £279.

 

The telephone operator's accounts make interesting reading

- no mention of anything about me asking them to deal in writing, referring them to letters etc. But why would it, it is of no benefit to them.

 

So...I

 

have re-read the whole thread and it seems I have received as much info as I am going to get via the SARs.

 

It didn't help that the info supplied by OC's SAR was so weak.

 

I guess I will have to review what I am paying them (currently £1) because I want to get this debt off my back.

 

Any advice on how I should word this - and how best to put the bit about the £279 that has 'disappeared' from the total?

 

Thanks much as ever x

 

Many thanks

Edited by salbee
typos
Link to post
Share on other sites

well as the debt is un-en

[dca have failed you CCA request - NO CCA]

 

its not listed on any crafiule

 

they are shouting rather loud

you've had a discount letter.

 

we can conclude now that its a cash cow debt.

 

even the agreement from satans bank says cancelled.

 

on both the sar's statement look for PENALTY fees [£12 for this etc etc]

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

well as the debt is un-en

[dca have failed you CCA request - NO CCA]

 

its not listed on any crafiule

 

they are shouting rather loud

you've had a discount letter.

 

we can conclude now that its a cash cow debt.

 

even the agreement from satans bank says cancelled.

 

on both the sar's statement look for PENALTY fees [£12 for this etc etc]

 

dx

 

Hi dx, can find no penalties on either SAR...

 

Sally

Link to post
Share on other sites

now that ifind very strange.

 

am i reading this correct that your payments to dlc ARe showing on the sar from satans bank?

ALL of them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

now that ifind very strange.

 

am i reading this correct that your payments to dlc ARe showing on the sar from satans bank?

ALL of them

 

dx

No there's nothing on the statements regarding dlc from OC

Sally

Link to post
Share on other sites

ok then embarrassing question to DLC

 

WHERE HAS MY MONEY GONE I'VE been paying you....

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

well, I received another letter this morning from DLC enclosing the CCA from OC but minus the loan T&C's (to follow when available).

 

First para states they acknowledge request to write only with the proviso we keep them regularly updated!!

 

They say dispute is not valid (as stated in last letter).

 

They enclose the same statement as enclosed in the SAR but also one from satans bank.

 

Funny how they couldn't provide me with one!

 

Payments go back to Jan 02 ending Nov 07.

 

DLC statement commences Dec 07 as it should.

 

The OC transaction summary shows loan 15K, interest charged £4996.20 - total £19996.20.

 

We paid off £9571.77 before DLC took over leaving them a balance of £10424.43.

 

The statement they sent me this time has been added up correctly!!

 

The letter apologises that the transfer to MDB was made in my husband's name only and have now arranged my side of the account to be transferred also.

 

So does this mean I have got a whole new set of people to deal with? I feel ill...

 

Thanks

x

Link to post
Share on other sites

well as the debt is un-en

[dca have failed you CCA request - NO CCA]

 

its not listed on any crafiule

 

they are shouting rather loud

you've had a discount letter.

 

we can conclude now that its a cash cow debt.

 

even the agreement from satans bank says cancelled.

 

on both the sar's statement look for PENALTY fees [£12 for this etc etc]

 

dx

Hi -

Should I query the "cancelled" entry on the OC's statements? Who do I query it with - OC or DCA?

 

Thanks x

Link to post
Share on other sites

OC

 

never converse with a DCA!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

OC

 

never converse with a DCA!!

 

dx

 

I just spoke to OC collections and they confirm they cancelled the debt in Dec 06 then sold it to DLC. They don't know for how much (won't say?) and suggest I ask DCA!!

 

What should I do next?

Thanks

Sally

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...