Scottcall/DLC collecting old mortgage shortfall + reclaiming.

[ocsey1]

Hi all.....

My wife has just had a letter from scotcall saying they are going to send someone round about a debt we have...

 

I have an arrangement with another DCA , DLC to pay this debt monthly and am happy to pay this as it is owed by us jointly.

 

I rang scotcall and they said that they had been passed my wife's details by DLC and they could chase her for it.

 

I pointed out to this person that I had an agreement with DLC ,

his reply was " she hasn't so we are chasing her ".

 

I then told him that he had no right to send someone to my door without an appointment and if he did I would call the police,

 

his reply was thanks for your time and he hung up...

 

What should we do as we are already paying back this money to DLC

and don't want to pay someone else as well

 

Any help would be welcome

Thanks

[Bazooka Boo]

Dear oh dear Snotcall with delusions of grandeur again!

 

Ignore them, and this other clown outfit DLC.

Why are you paying a debt collection agency anyway?

 

What is this alleged debt?

 

Who is the Original creditor?

 

When was this taken out?

 

As you have found out, never ever phone or speak to a DCA over the phone, unless of course you can record the calls?

 

Keep everything in writing.

 

Keep a diary of events, especially regarding the telephone harassment you'll undoubtedly receive.

[ocsey1]

Hi ,

the debt is for the balance of our mortgage when our house was repossessed and sold .

 

I know we have to pay this as there was a difference between what we owed and what the house was sold for.

 

This happened just over 3 years ago and we have been paying DLC for about 2 years now,

they send a letter every 6 months or so and review our payments, trying to put them up,

then we get a letter with our pay arrangement on it ,

subject to review in 6 months time.

 

Each time they review they want to run through our finances.

 

Can scotcall chase my wife for this debt if I have an arrangement with DLC ?

[dx100uk]

something smells here.

 

no tin pot DCA has ANY legal rights AT ALL

to collect money from you

nor

be give PERSONAL financial details.

 

how did you get spoofed into paying DLC

 

it should be the mortgage company you should be paying

IF you owe anything at all.

 

tell us the story.

 

those two DCA's are bottom feeders

and only usually collect lemon debts.

 

that no-one else has the front to chance their arm collecting upon.

 

dx

[ocsey1]

Hi dx thanks for the reply....

The story is that when our house was repossessed there was a difference of £21,000 between what we owed, including charges for missed payments etc

and what the house was sold for..

 

.the mortgage company got in touch with us about a year after the repossession and asked for the money.

 

We told them we didn't have it so they passed or sold it on to DLC and we made an arrangement to pay them monthly..

 

.the debt is now £19,000 and we just keep reviewing every 6 months

 

but now scotcall are chasing my wife for this same amount even though I have an agreement with DLC.

 

..what should we do now ?

[cerberusalert]

Was there any PPI or hidden brokers fees with the mortgage? If there were you can reclaim those + Statutory interest which could reduce the alleged debt considerably.

[ocsey1]

There were no hidden fees but I dont have any details of the mortgage now , foolishly I got rid of them after we moved

Edited September 23, 2012 by ocsey1

[cerberusalert]

You can get a copy along with statements by sending the mortgage company a SAR.

[redbat]

Surely if the debt has been assigned /sold to DLC then it indeed is DLC you should be paying. Aren't DLC the collection arm of Hillsden securities?

 

If I have confused the issue then I am sorry but I don't understand.

 

As for scotcall send them a letter saying that they may not make an appointment , if they do turn up they will be committing trespass for which you will claim damages and call the police. I am sure there will be a letter template in the library

[dx100uk]

somethings not right here

 

a mortgage company does not 'sell-on' a £12k shortfall.

 

you mentioned PENALTY charges

 

they are unlawful and can be reclaimed

 

get that SAR off.

 

dx

[ocsey1]

ok thanks , will get the SAR sent off and see what happens

[ocsey1]

Hi all , I now have the mortgage details back and there are various charges for missed payments etc adding up to about £3500 there is also interest added at every missed payment , this was an interest only mortgage to keep the cost down.

The amount we borrowed in the first place is about the same as the house was sold for by the mortgage company....what advice do you have for me ?.......

[Bazooka Boo]

Reclaim those charges plus interest at their rate.

[ocsey1]

ok thanks, how do I go about reclaiming ?

[dx100uk]

details are below in my sig - use CC charges guide]

 

and there are several threads here [in the mortgage forum where i've moved your thread too]

 

do these payments made to the DCA show on the statements?

 

dx

[ocsey1]

Hi , thanks for the info DX unfortunately none of the payments show on the statements.......I can get them from bank statements though if this will help

[dx100uk]

so WHERE has your money gone!!

 

sounds like they've been cash cowing you for years.

 

dx