Paying DLC on a Blackhorse debt sold to them,,- help

[theoldrouge]

Ok brill thank you both

 

I still have had nothing so going to send a follow up letter to the cca to DLC and See what they say

no need to chase, they know what they have to supply

[rimarj]

Oh ok I thought it was a general rule. No probs will leave them to it

[rimarj]

Hi rouge, was there any update on this? Or have you not had a chance to take a gander yet?

[theoldrouge]

sorry not yet, been away alot but

 

will have a good look at the figures at the start of next week.

 

Just had a very quick glance through and

 

the vt doc they sent you to sign,

 

they charged you £75 to collect the car.

 

Cant do that,

must either arrange a local drop off point or arrange free collection,

 

so you'll be wanting that and 8% int on it knocked off for starters:-)

 

I trust you havent had a reply to your cca request yet?

[rimarj]

Haha good start then

 

Nope still no CCA,

 

as you said they know what they have to supply i didnt send a follow up letter,

 

but havnt had any phonecalls that i am aware of or letters from DLC since either..

 

And still nothing added back onto my credit file since the original disappearance of the Blackhorse entry

[theoldrouge]

good, dont chase it

[rimarj]

Quick update:

 

I had a letter today from im assuming a DCA which were acting on behalf of DLC,

 

they said that i have stopped paying and are chasing again,

 

however still nothing back from DLC regarding my CCA request..

 

Should i just ignore the DCA letter?

 

Or call/write to them and update on the situation regarding the CCA?

 

Rouge any joy finding time to have a closer look?

[dx100uk]

which DCA

 

dx

[theoldrouge]

I have had a long look at this and sadly there does some seem to be a liability remaining by my calcs of £3538.41.

 

To explain- Agreement total

 

£17601.80.

 

So amount to VT £8800.90,

 

less deposit paid £833,

Less payments to BH £4174.61,

less payments to DLC of £160

leaves bal of £3633.29.

 

You then require a refund of £75 +8% to date,

for the collection fee , £94.88.

 

This leaves a balance outstanding of £3538.41.

 

The difference is because of charges and extra interest charged by BH.

 

(who have in a very convulted way treated your ac as a vt).

,including a charge of £200 seemingly for the vt itself.

 

So you will need to put the ac in dispute because of the penalty charges

which in no way reflect the costs to BH,

and they cannot charge at all for the vt

and collection of the car.

 

I can find no fault with the ag or dn .

 

Personally I would wait until they produce the cca,

and then dispute the charges with DLC and their inhouse dca.

 

This should delay matters further.

 

I will keep a close eye on this for you

[rimarj]

Ok, thanks Rouge I will see if they produce anything for the CCA request and upload it when / if it arrives.

 

So far as of yet there is still also no other entries into my credit file, by blackhorse or DLC.

 

Would it mean anything in my favour if Blackhorse wrote the debt off as a bad debt as it says in the SRA?

[dx100uk]

write off is against tax

 

doesn't mean they can't sell it on sadly.

 

dx

[theoldrouge]

more in your favour would be,

living with parents,

no income,

no assets,

 

use these reasons along with disputing charges and see if you can get them to write the debt off,

after they reply to your cca request,

we can consider a letter to them at that time

[rimarj]

Ok brill

 

Thanks again for the all the help

[rimarj]

Hi guys

Update:

 

Had a response from DLC saying this is a copy of the original signed agreement

How does this look? Two pages? Is this enforceable?

[Kamini Aga]

Hi,

don't know how far you have got with this.

 

DLC have now taken over 2 of my debts

- I am with a debt management company

but DLC seem to be running rings around them.

 

They will not accept my offer of early resettlement for lower figure.

 

I am told that they have probably bought the debts for 10p in the £, and

 

after a fended off them wanting to put a charge on my house for one debt,

 

they have bought another of my debts, and

 

think are gearing themselves up to buy all so that they can get me legally.

 

My sister says that she will lend me just over half of what I owe in total, and I would like to do an early settlement.

 

How do I go about this and how do I find out what they bought the debts for

 

so that I can pay that amount only (which seems fair to me)??

[dx100uk]

KA

 

you need to start a new thread

 

of your own

[dx100uk]

Hi guys

Update:

 

Had a response from DLC saying this is a copy of the original signed agreement

How does this look? Two pages? Is this enforceable?

 

that's enforceable

 

but IMHO makes no odds at all.

 

they spoofed you into VS when it should have been VT

 

dx

[rimarj]

Ahh fair enough - so is there anything i can do about that? As i have now already woken up to a missed called from DLC im guessing trying to chase everything up now.

 

Or if the paperwork is legit then theres nothing i can do?

[dx100uk]

you were spoofed into VS when it should have been vt.

in this instance, the agreement means nothing [that they have it}

dx

[rimarj]

Ok that sounds promising - but how would i go about contesting this? Is there any formal letter or any procedure i should follow to enquire about it?

 

As i now have DLC chasing again is there anything specific i should tell them?

[theoldrouge]

As i now have DLC chasing again is there anything specific i should tell them?

 

Yes, living with parents,

no income ,

no assets,

cant offer any payment,

 

please write off

 

(when this sinks in , I doubt very much that they would want to spend money on endless chasing or other actions)

[rimarj]

Ok brill, thanks. Will give this a go and see what happens. Fingers crossed.. Would i ask Blackhorse directly to write i off or go through DLC?

[theoldrouge]

DLC as proud owners of the account:-D

[rimarj]

Ok cool, thanks rouge and dx if the thread stays open will update on anything, as im sure they will come back with some jargon that i will need help with

[dx100uk]

we don't close threads

 

dx