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

[rimarj]

Has anyone had any dealings with My DLC?

 

I have had i think maybe one or two letters from them in the past taking chasing a payment i owed to Blackhorse..

 

To my knowledge, none of these letters stated they were now assigned the debt, i set up a payment plan of £10 per week as a standing order to them.

 

Blackhorse has now disappeared off my credit file, and im assuming next month DLC will appear on there,

 

I am going to CCA Request them but has anyone had any dealings with them?

 

The debt is about £4,000 and i have been paying it since early December 2013..

 

Im guessing they would now legally own the debt as the Blackhorse entry on my file has been deleted completely,

 

but dont they have to send me a formal notice of assignment or something?

[dx100uk]

why did you blindly setup a payment plan without question?

 

if BH sold it

there must be a very good reason why!!

 

tell us about the debt

 

dx

[rimarj]

To be honest it was because I was afraid of the thought of getting a ccj over it as

 

I'm trying to do my best to rebuild my credit rating as my partner wants to try to get a mortgage in the close future..

 

Hers is pretty much impeccable.. I thought the quicker I start paying it the better..

 

The debt itself was taken out in 2009 it was a car on finance..

 

At the time a brilliant idea as I could afford the payments but

 

then I decided to get back into studying and start university, so

 

had to leave my job to be able to fit in full time education.

 

I arranged to give the car back

 

a chunk of the amount owed was written off

 

but now the last chunk has remained since 2010.

 

I wasn't really getting any letters off Blackhorse over the last year.

 

. I think I had one still just telling me I owed the money then after that I had one from a dca,

 

the dca I think changed a couple of times and

 

now looks like it's settled with DLC.

 

. And so far the payment plan has been running the last 10 weeks

[dx100uk]

did you VT or VS the car?

 

something is wrong here if BH sold it on.

 

dx

[rimarj]

Sorry VT or VS?

[theoldrouge]

did you voluntary terminate the agreement by making a request to do so under s99CCA1974?

[rimarj]

I believe so.. I arranged for someone to come and pick the car up as i heard that it wipes off 50% of the monies owed from the finance.. It wasnt a case of "we are taking the car off you as you have defaulted"

[theoldrouge]

do you have a copy of the original agreement, and the vt figures?

[theoldrouge]

and you def made a request under s99, and the ag was terminated in accordance with s100?

[dx100uk]

if you didn't specifically VT I bet they VS'd which means they took you for the whole amount minus the action value

 

sadly BH has pulled this stunt before here i'm sure.

 

we need to see all/any paperwork

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[rimarj]

I will hunt out any and all documents I have in regards to this and try to get them uploaded today / tomorrow.

 

It might take time to find them as I have about 5 carrier bags of unsorted post.

 

In terms of the vt or vs it sounds more like a vs actually as

 

I think they just took it and sold it at auction

 

I don't remember any specific requests under acts..

[theoldrouge]

just a couple of further questions (does sound like a vs),

 

but had they terminated your ac ( due to default) prior to your request to return the car,

 

how have they been reporting your cra files?

 

How much had you paid in percentage terms in relation to the ag at the time the car was collected?

 

No doubt the docs will answer some of this

[rimarj]

As far as I can remember

 

i contacted them I THINK before the default came through..

 

But I'm not 100% as it was years ago..

 

I had only payed about 12 months of it at around 270 per month but it was on a 60month plan.

 

They had very rarely been updating my cra files..

 

It wasn't a monthly thing it seemed to be each time they would send me a letter saying the amount is still outstanding..

 

Which was again very rare. I

 

will try and contact experian and see if they can give me details on how regular it was

[rimarj]

I have found some information..

 

Dca letters Blackhorse letters etc

but I have not come across and agreement..

 

Only the original purchase order form from Honda but nothing with it..

 

Will try to keep looking and in the mean time put up the rest of the documents.

 

also have a statement from August 2010 to August 2011.

 

I made my final payment in October 2010 at the same time I acquired my current car (which was cheap and paid in full).

 

There are payments of £30 also set up as I missed a previous payment I believe in August 2010

 

I set up an extra 30 per month as agreed with them to clear this but stopped when I gave the car back.

 

There is no letter of them acquiring the car but there is a sale proceeds part in December 2010.. 2 months later of £5544.83.

 

Then on the following year up to may 2011 there is adjusted legal liability and liability reversal

 

then a new payment due and a credit facility fee..

 

Anyway this will all be seen in the uploads when I do them this evening..

[rimarj]

Uploaded and attached.

 

I have TRIED to keep them mostly in some kind of date order, however when i saved them after editing some went in another order, mainly just the first couple, other than that they are latest dates first..

 

The second doc (doc2) is a recent one which i JUST found now..

 

Unforunately after going through 5 / 6 bags of old post, i did not find a credit agreement.. just letters of outstanding money from both blackhorse and several DCA's.. I will keep hunting i dont know if the attachments will help with anything at the moment..

 

 

Edit: And on the page where you can see the sale of the car lowering the balance, as explained above the extra £30 payments are from a missed payment previously which they agreed to have spread over the months to pay it off.

 

I will be the first to admit i have never been one to strictly help myself in these debts.. I have been naive for years.. Im not looking for a get out of jail free card.. Just help on what options i have really..

Edited February 13, 2014 by rimarj

[dx100uk]

tip you don't need to included a link to the upload docs in the msg box here

 

dx

[dx100uk]

I've ordered and merged your files

 

dx

[rimarj]

Thanks dx I didnt actually write the link in anywhere.. one appeared as a link in the message and one appeared as an attachment.. it confused me a little lol.. But thanks for merging etc

[dx100uk]

right page 7 [apex letter 7/11/11] is a 50% discount letter [bal £4334.29]

 

that means theres something seriously wrong with 'something' that's happened

 

at that time it was still owned by the OC too

they then sold the debt a few months later

..........

 

19/09/12 DLC new owners offers discounted lump sum as F&F.

 

.............

 

DLC 06/02/13 DLC pay 75% we write-off the rest discount letter

[rimarj]

Im guessing its just a tactic to try to get you to pay something.

 

. What would you say would be the 'something wrong'?

 

In terms of a discount,

i thought when someone buys a debt, they may not have necessarily have bought it for 4333,

but maybe for 3000 which would be the discount from the original amount?

 

I may be wrong on that just something i thought i heard / read somewhere before..

 

Another part that confuses me is if DLC owned the debt and they are a DCA (i think)

then why would they pass it on to ANOTHER DCA who then says i have to deal only with them,

 

but i dealt directly with DLC when i blindly set up my payment plan..

[dx100uk]

merc are part of DLC/Hilies

just the next bloke at the next desk

in a diff coloured skirt.

 

its all done to make out lots of people are after you

to add pressure on you.

 

this is very typical of companies that cash cow people

 

they always shout the loudest and threaten everything

but actually do nothing

 

if the money was owed I can assure you BH/aplin would have had you in court within two weeks.

 

as it is they spoofed you into VS I suspect

where by it should have been VT [total of 50% of the finance minus anything they get for the car] is what you owed

 

they've prob [go work it out] charged you for the FULL remaining finance [minus the car auction]

 

that's why they didn't goto court but sold it on.

 

dx

[rimarj]

Makes sense..

 

I have an original order form from Honda, the Net Price for the car was £11,162.00

 

I paid about £274 per month for around about 1 year,

then gave the car back,

 

then as the files attached show

- they sold the car for around £5500 ish.

. minus what i had alread paid..

leaving with with £4333 still owing..

 

So you think they have gone about this in a way they shouldnt?

 

I was actually wondering myself with an amount such as £4000,

why i wouldnt have been in court very very quickly..

yet 3 years down the line they are just still chasing..

 

Odd...

 

If they have done this,

and charged me for the full remaining finance after taking off what the car was sold at,

do i have a leg to stand on in terms of doing anything about it?

[dx100uk]

yes you do

 

you don't pay another penny

 

BH spoofed you.

 

i'll let OR ice the cake with a letter.

 

you owe NOWT!!

 

dx

and if this is on your cra file

it should be REMOVED

 

dx

[rimarj]

Wow really?!? That's music to my ears haha!

 

Blackhorse has just this week vanished from my credit file but I'm assuming that DLC will put something back on.. If they put it back on how can I dispute this? Should I just use a standard cca request and follow up letter or are there other letters to do something about this?

[dx100uk]

let it run

 

for now

 

dx