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HL Solicitors & home learning coll, 'debt'

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Hi

I received a demand for a debt i dispute so called these Guys

 

to explain the reason i disputed the debt which i kept a record of all payments to the creditor

but the ammounts differed to what i have & what they said was owed,

 

i sent the original creditor an email (which I have a copy of ) to request full statements so i could see where the difference came from,

 

however they never replied so i with held the last payment which is £56.25

 

i explained this to HL Solicitors & they requested copies of my bank statements which i sent copies to them showing the payments

the email & an excel spreadsheet of the runnning balance, by recorded delivery.

 

i received a letter saying my account was on hold, while they investigated,

but i am still receiving calls from them asking for payment & going through the same questions

& for the same info i have given them, the bank statements etc & they seem to know nothing more even though i keep saying that the account is disputed

& they said to me that it wasnt their responsibility to go to the creditor & investigate,

 

they are saying i owe more than this, Nearly £200 ok i will pay the final £56.25 this next month,

 

i cant find the original documents showing the original amount as this is going aback to 2008/09,

 

is their anything i can do to stop them harrasing me

Thanks

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Rubbish, of course it is their responsibility to investigate whether there is indeed a debt to pursue.

 

I think you should WRITE to them and advise that if they continue harrassing you for a debt they are unable to prove, then you will consider taking further action. That there is a genuine dispute of which you have made them aware. Their treament is nothing short of harrassment and you now insist that they remove your telephone number from their records. You will only discuss your financial affairs in writing.

 

Almost certainly you will be making a complaint to the SRA and the OFT.


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Exactly do as CB says and mark that letter formal complaint then they are obliged to invetigate fully and reply.


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OK Thanks who are sra??

 

Solicitors Regulation Authority, google their site for info on making complaints etc.


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have you looked at your CRA file

 

 

does this debt show?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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hmm my credit history isnt great, i dont think it does show as i tried to open a business account back in the summer & was refused because of late payments to credit cards, nothing was mentioned about anything else, i will have to get a new report

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if you've been hit with £12 PENALTY charges on those cards

 

get reclaiming!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Yes just checked & it does show but not updated

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from when and when was it defaulted

 

and who is shown as the owner

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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think i will be reviewing the card statements!!

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think i will be reviewing the card statements!!

 

info is below

 

use the CISHEET from here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

and THEIR int rate [APR]

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok this was homelearning coll,

 

show being 2 payments late as in June 11

No defaults just after that not updated

 

i have 3 payment dates that month & one payment was for July accounts,

 

certainly wasnt the june account was paid by the 10 of that month

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so the debt is a loan from the HLC

 

they are well known for fleecing people

 

 

did you complete the course etc etc

 

dx

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Yes i did complete the course

 

 

as i said i withheld the last payment because of the discrepancies & no reply,

 

 

i will pay the final payment as i have had it up to the teeth with them (next month)

 

 

but not paying for money they say i owe

 

 

which they should of seen my bank statements

 

 

by now that i sent to the solicitors

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