Dlc, hillesden securities, egg, citi

[w1n3pd]

HELLO ALL,

 

TWO OF MY DEBTS (FROM CITI AND EGG) WERE BOUGHT BY DLC. I TOOK ADVANTAGE OF THEIR 90% DISCOUNT ON CITI DEBT AND SETTLED ACCORDINGLY. WHILE THE EGG ONE IS STILL UNDUE, THEY MADE ME AN OFFER OF 75% ON EGG BUT I DO NOT HAVE THAT MONEY SO I AM STILL PAYING THEM £1 PER MONTH.

 

 

I STARTED DEFAULTING ON THEM IN 2006. I AM NOT SURE WHETHER I ASKED for a CCA file or not but all of their correspondence mention the original creditor name. So far I have been advised by DX to send them a CRA file. Which I shall do as soon as my printer is fixed.

 

A new development is that none of these appear on my Equifax credit file any more. Do they still have enforcement powers as I have been paying them a statutory payment for each account. They have offered discounts in the past.

 

What should I be doing meanwhile, apart from the CCA file? And while I am asking for CCA file, should I keep paying?

 

 

 

Thanking you in anticipation.

 

 

P.S: BTW ARE DLC, ROBINSONWAY, BRYAN CARTER, LOWELL SUBSIDIARIES OF THE SAME COMPANY? ARE THEY CLOSELY CONNECTED ANYWAY?

Edited July 2, 2013 by w1n3pd

[dx100uk]

any debt that they have offered a discount on = no debt to pay.

 

send them a cca request

 

those dca's are not link

 

prob just passing you around as you've been blindly paying them at various points in time.

 

no cca = no pay...end of!

 

dx

[w1n3pd]

I SHALL SEND THEM A CCA REQUEST as you advised today with recorded delivery. Shoudl I still keep on paying them £1 while I hear back from them?

 

 

I am worried if I stop them paying then they shall start leaving traces on my credit file.

[dx100uk]

once debt has gone from you cra file

it cannot return

 

you don't need to use RD.

 

adapt the following text to YOUR details.

DO NOT SIGN THE LETTER!

get a £1 BLANK Postal order

write on the back

for statutory £1 CCA FEE ONLY.

leave the payee BLANK

post the two off by 1st class post, get proof of posting from PO counter

they have 12+2 WORKING days to comply.

 

firm demanding money

 

street,

 

town,

 

county

 

postcode

 

 

 

Dear Sir/Madam

 

 

 

Re:- Account/Reference Number 12345678

 

I do not acknowledge any debt with your Company or Associates

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

 

 

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

 

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

 

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

 

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

We look forward to hearing from you.

 

 

 

Yours faithfully

 

Mr A N Other

[w1n3pd]

Thank you, that is my tuesday homework. Shall keep you posted.

[BRIGADIER2JCS]

Not on CRA files = default more than 6 years ago, when was the last payment or written acknowledgment made on the account.

[w1n3pd]

I STILL pay it EVERY MONTH.

 

Do you think its worth checking on other than Equifax?

 

I have attached the relevant snapshots.

 

Now because these are not on CRA file, I tend to believe that perhaps they never had any legal powers but then again last year I checked on Call Credit and their names were present.

 

I am in the process of sending CCA files.

Edited July 2, 2013 by w1n3pd

[BRIGADIER2JCS]

Yes certainly best to check Experian too, check Noddle CallCredits free offshoot, can be out of date though.

[w1n3pd]

Noddle

 

I have been trying and even exchanged a lt of correspondence.

Doesn't work for me.

They can not verify my address and as perhaps I had taken advantage of call credit last year

they can see I can be sold the paid option.

 

As call credit is a combination of experian and equifax, do you think I am better off checking on call Credit or Equifax.

 

As both would cost money for me.

 

thanks.

[BRIGADIER2JCS]

CallCredit and Noddle are on and the same, Equifax and Experian are separate entities, Check My File uses 2nd hand data from other agencies.

Your choice.

[dx100uk]

the key to all your debts is to get those CCA's of TODAY.

 

the sooner you find out they hold NO paperwork

 

the better your pocket eill be.

 

dx

[w1n3pd]

working on it. my stupid printer isnt working. I am onto it.

 

Many many thanks as always.

[w1n3pd]

just tried call credit £2 statutory online report. Doesnt work either. I am gonna give experian a shot once I have sent CCA requests.

 

Thanks.

[w1n3pd]

BELOW IS WHAT I HAVE PUT TOGETHER BASED ON WHAT YOU HAVE SAID FOR DLC. WHEN YOU SAY DO NOT SIGN, DOES IT MEAN THAT I SHOULD NOT BE PUTTING MY NAME AT THE END?

 

 

Direct Legal and Collections

Buckingham Road

Brackley, Northamptonshire

NN13 7DN

 

 

Dear Sir/Madam

 

DLC REF: ---------

 

 

I do not acknowledge any debt with your Company or Associates.

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

I enclose a postal order in the sum of £1.00, which is the statutory fee for the CCA request. Note that these funds are not to be used for any other purpose.

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

We look forward to hearing from you.

 

Yours faithfully

[dx100uk]

do not sign it....

 

print your name using your pc as per the example......

 

dx

[w1n3pd]

thanks, done as you said. fingers crossed.

[w1n3pd]

Have sent now. I guess now I have to remind them on 17th of July 12+2. Is there anything I should be doing meanwhile?

 

 

You think I should also send them an email telling them what I have done?

[w1n3pd]

CallCredit and Noddle are on and the same, Equifax and Experian are separate entities, Check My File uses 2nd hand data from other agencies.

Your choice.

 

Have applied at Givemecredit and experian as well. They needed to do further checks. Should take 2-3 days extra. Will keep you posted. Thank you for your guidance so far.

[w1n3pd]

The quickest way to contact Experian is through the email. But when I emailed them for my statutory report they keep sending a standard email.

 

Does anyone know any number for the Experian Department that deals with Statutory Reports?

 

Obviously I have called on the credit expert number but no one would give me a number or deal with statutory reports over the phone. So much for Govt. Directive. These guys are just trying to sell their Credit Expert.

 

On-line researches on Experian Statutory report customer service did not produce any result either.

 

Any help would be greatly appreciated.

[dx100uk]

so you are after requesting the £2 option?

 

because you cant do it online?

 

dx

[w1n3pd]

so you are after requesting the £2 option?

 

because you cant do it online?

 

dx

 

YES. ALSO I HAVE TAKEN ADVANTAGE OF THEIR ONLINE Trial 3 years ago.

 

My online verification with Experian is taking awefully wrong. Same thing happened with Equifax but at least they let me speak to a human being. Experian would not.

 

 

Btw i have just checked on another credit website (GIVEMECREDIT). Really bad website. Not enough info. They also do not mention any of the loans or bad credits including robinson way. NO DEFAULTS ARE MENTIONED APART FROM THE CCJ. I have attached them with this post.

 

Experian is the only one who are taking such a long time.

 

 

The only bad mark, is the ccj.

 

Does this mean my bad days have started to be over?

[w1n3pd]

I have received no confirmation/acknowledgement from DLC regarding my £1 CCA request. As 12+2 days have passed should I send them the following letter as well?

 

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

[w1n3pd]

Hello All,

 

I have received the following letter from DLC just today. Please apprise of yoru thoughts. there is a lot of legal jargon here which makes a good reading.

 

I read the wording or relevant case from paragraph 74 in the judgement passed herehttp://www.bailii.org/ew/cases/EWHC/Comm/2009/2386.html

 

 

What it seems to me that they shall keep on bugging me and keep on asking for payments and pursuing CRAs updates even though under section 77(1) they may not even provide an agreement.

 

 

But as soon as they can provide an agreement they may proceed with further enforcements (such as legal proceedings, etc)

 

 

Am I correct in interpreting this?

 

 

Also does that mean that even though we the debtors would have the matter in dispute our credit score would still be affected negatively?

 

 

Also my understanding would be that all of this be only possible if DLC are assigned DCA by egg. If they are not assigned would they not want to buy it from egg now that I have been in touch with them?

 

As they (DLC) have been previously been updating my CRA file in the past, this leads me to think that were the legal owners of that debt. Am I correct in thinking so?

 

Please note that DLC debt doesn't appear on my credit file neither Equifax nor Experian.

 

Any thoughts would be greatly appreciated. I have attached the contents of that letter by DLC for your perusal. Shall be grateful of any advice about further steps.

 

 

 

 

Best.

[w1n3pd]

Yes certainly best to check Experian too, check Noddle CallCredits free offshoot, can be out of date though.

 

 

Hello Brigaddier,

 

I have just checked my Experian file as you advised. Nothing on my file appears other than the county court judgement. which can be accessed here. I have been advised by DX to keep mum for the time being with regards to CCJ.

 

 

DLC, Arrowglobal etc they all used to update my credit file until a year ago, nothing is being updated on my file. The only negative on my file that I have is the CCJ. Will be grateful for your thoughts.

Edited July 22, 2013 by w1n3pd

[BRIGADIER2JCS]

The DLC letter is correct in what is said.

 

An account can be assigned by the owner for management / collection or sold, (absolute assignment), with all the rights, obligations and benefits of the original agreement.

 

 

The interpretation of Mcgruffick on 'what is and is not enforcement' is still debated very often, most see it as meaning that any action up to making a court claim and getting judgement does not count as enforcement, taking such action as, Attachment of Earnings, issuing and enforcing a 'warrant of execution', charging orders etc., are truly enforcement, although some sources say a CO is assurance not enforcement.