Dlc, hillesden securities, egg, citi

[w1n3pd]

Thank you for this.

 

So what do you suggest the next steps be? Should I send them the dispute letter? Knowing from their previous credit file updates, one would imagine they should be able to prove 'absolute assignment' sooner or later. Is it still worth sending them the letter?

 

What are the repercussions of sening or not sending the 'dispute' letter?

 

Also as per their last paragraph, should I continue the payments?

 

 

Much obliged!!

Edited July 22, 2013 by w1n3pd

[dx100uk]

if this does not show on your cra file

 

its dropped off through a default over 6yrs old

 

it CANNOT return

 

so they are stuffed!!

 

did you send the failure to comply letter?

 

if you did

 

then stop payment

 

theres nowt they can do to you.

 

dx

[w1n3pd]

I am on my way to send them the failure to comply letter that you had recommended. On my way.

 

You are the conveyor of a good news. I am grateful to you. Shall keep you posted.

[w1n3pd]

Hello All,

 

Attached is the latest letter I received from them.

 

What do you guys think?

[dx100uk]

discount offer

they know they are stuffed

 

pay us something before we lose a cash cow

 

dx

[w1n3pd]

Hello All,

 

I have received the attached letter today. There are 24 other pages with it. I think I might be in a bit of a trouble. Please refer to the attach and guide as to what should I do now. Please remember that it doesn't appear on my credit file any more but since DLC has produced these documents, does it mean they can enforce it?

 

What should my next course of action be?

 

Thanks.

Edited August 7, 2013 by w1n3pd

[BRIGADIER2JCS]

This is supposedly a reconstituted agreement complying with sections 77/78 CCA 1974.

 

It must have the following data:

 

Your name and address at the inception of the agreement.

The Creditors name and address at the inception.

ALL the Ts& Cs relevant at inception and any other documents mentioned in the Ts & Cs

All T &cs at closure and all amendments made during the life of the agreement.

 

Without these it does NOT comply.

[w1n3pd]

thanks, i think the answer to all of your questions is yes. They probably have given all of the above information. What are my options now? I shall look for any discrepancies but I think they have provided with all the information. I am attaching the first page for your perusal.

[w1n3pd]

Please note that the agreement has my signature etc. However I do not understand the following;

 

All T &cs at closure and all amendments made during the life of the agreement.

 

There are 2 T&Cs attached. One looks like it is taken from internet. As they are generic terms and conditions pertaining to egg.

 

 

I am really at a loss of my next move. Please advise as to what should I do next?

 

 

As DLC doesnt appear on my credit file any longer.

 

Also,

 

 

• 1 does it mean if I keep on paying them? Does it mean that my credit file would not be again marked down by DLC or any other subsidiary of theirs if they further sell it to them?
  
• 2 Should I keep paying them? If not what are the repercussions?
  

 

 

Please advise as DLC is asking for renegotiations, I am a little worried that their harassment would start again.

[dx100uk]

its gone off your cra file yrs ago

can never come back!!

so them saying 'hey PS will HELP YOU is utter garbage!!

 

stop paying them

you'll get loads of scary letters

but if they've offered a discount

then they know its a dead duck.

 

they can produce the agreement.

but I bet it was terminated by egg years ago.

 

dx

[w1n3pd]

Thanks Dx, I shall do as you have advised. Is there any final letter that you would want me to write to them?

[w1n3pd]

hello dx,

 

This post is intended to just to keep you updated with any progress on this one.

 

I am following your advice all the way i.e. no more payments or correspondence with them.

 

Thought the attach would make a nice reading.

 

Please let me know if you spot any personal details on this letter.

[dx100uk]

hey brig

 

read the pdf above

 

what waffle

 

their actions by their own admission are ILLEGAL

 

since when has debt been criminal?

strange letter!!

 

dx

[BRIGADIER2JCS]

Me thinks that letter has been cobbled together badly and parts date back to when there was indeed 'criminal offence' for failure to comply with a CCA request.

 

I would advise rejecting the contents and stating that UNLESS the request is complied with EXACTLY on time the account is in dispute and will remain so until the request is satisfied.

[w1n3pd]

Me thinks that letter has been cobbled together badly and parts date back to when there was indeed 'criminal offence' for failure to comply with a CCA request.

 

I would advise rejecting the contents and stating that UNLESS the request is complied with EXACTLY on time the account is in dispute and will remain so until the request is satisfied.

 

 

Thanks brig, I have written the following to them already.

 

 

 

As of today, I acknowledge the receipt of the letter dated 25th of July. I have gone through the contents of your letter and reject your findings as of below.

 

 

 

1. I consider account still in dispute and reject the contents as unless the request is complied with EXACTLY on time the account is in dispute and will remain so until the request is satisfied.

 

2. I am still waiting for all the information that you are supposed to provide under s77/78.

 

 

 

Therefore, I categorically dispute this account and your suggestion of tracing me further is nullified on these grounds. Any reinstatement of this account and threatening correspondence would tantamount to extortionist behaviour and would be liable for criminal proceedings against you once a complaint has been lodged and strongly pursued with the ICO subsequently.

 

 

 

Sincerely,

[w1n3pd]

Hello All,

 

Further to my correspondence above with DLC I received the update on this one last week from DLC again. Which was just a copy of their previous letter. Asking me to pay. That letter has already been attached in this thread previously where they bullet point and outline why I should pay. I am just waiting and seeing their next move.