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Hi

has anybody heard of this or had any dealings with with agency?

 

they have sent me two rather nasty letters in space of a week

asking me to contact them regarding a debt that has been assigned to LLC acquisition on 30.1.2010 (four years ago!!)

 

 

I don't recall this and some how they are now saying I must pay 753.52 by 11:00 on Thursday

before advising their partner soliictors to issue a county court summons

 

what is the letter that you send asking for proof over the debt?

 

 

it a CCA?

 

 

I sent one of these to a company a few years back but I cannot remember for life of me what it was called -

 

is this what I should do in this case?

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Those cheeky fookers... They charge you for making a payment to them!

 

Why and what are the fees for making a payment?

From 1st August 2012, we are having to add an administration fee to some of our payment methods due to increases in bank charges. The fees for the different payment methods are listed in the table below. Please note, if you would prefer not to pay a fee each time you make a payment, then why not switch to Direct Debit - the easier and more secure way to pay. Click here to complete a Direct Debit mandate or for more information.

 

Barcode/ payment card £0.64

Debit card taken over phone by LRC team £0.61

Debit card used to make online payment £0.73

Debit card used to make payment via 24/7 telephone payment line £0.95

Credit card taken over phone by LRC team 1.68% + £0.12

Credit card used to make online payment 1.68% + £0.24

Credit card used to make payment via 24/7 telephone payment line 1.68% + £0.46

 

Please be aware that your credit card provider may charge you a fee or interest for using the card to make a payment. If you are unsure, please check with your provide

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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If they were going to court I expect it would of done it years ago

 

What does your credit file show about this debt

 

Do you know of any outstanding debts

 

Sounds like a threat to get money out of you

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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go get your credit file

 

 

see noddle below

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sorry its not equafax but experiean - any how an amount of 754.00 is shown as "satisfield" and was owed to Raphael bank on 1/6/2014 this year however i have no knowledge of this at all this is very strange

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old monument credit card then.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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old monument credit card then.

 

dx

 

Yes I used to have a monument card years ago and it did go into default however I stopped hearing from the and I don't recall owing that amount of money - with it saying settled on my credit record I'm very confused

What should I do?

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settled and £0 means its been sold on.

 

await the dca entry to appear

is there a default date?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Oh just seen that the default date is 29/11/2010

- it says when I click on the question mark that the" debt has been sold to an organisation that is not a member of our information sharing scheme.

 

We will keep the record in the original lenders name and mark as closed"

it gives a start date of 1/1/2011 so presume this is when debt was sold?

 

Not sure what to do for the best to be honest

 

the credit limit on the monument card was 400 so not sure it's nearly doubled :/

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twill be PENALT charges and Payment Break Plan [stealth PPI]

 

sent monument an SAR get all the statements

 

and these LRC fleecers a CCA request

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thanks for your help - I've got a few health issues at the moment so could just do without all this at the moment

I will do a CCA request to them and get it sent recorded delivery tomorrow

any idea on the letter template to use for CCA?

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dlick the CCA request link

 

you don't need to send it recorded

 

1st class + free proof of posting will do

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thanks very much - I have sent them recorded delivery in the past but as long as I get the proof that should be fine

shall I fax the letter to them or just rely on post?

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there is nothing that says that hey or you have to use recorded

 

say like a default notice they send

 

all they have to do is 'prove one was sent' then its deemed delivered.

 

that's all you have to do.

 

no to the fax either...

 

you are taking these people and their threats are to seriously

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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depends on your details

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks to everybody for their advice

I am sending this letter off to this company today

should I start it with the following "I do not acknowledge any debt to your company" I am using the CCA template on the site

 

also - I am sure that this debt may be statue barred as I cannot recall any sort of payment in the last six years as I had totally forgotten about the account - I am worried that they "May" use th postal order for payment against the account to start the clock ticking again, do I make the postal order payable to them or just leave it blank?

 

kind Regards

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should I start it with the following "I do not acknowledge any debt to your company"

 

I have always used...

 

"I do not acknowledge any debt to your Company or any Company that you claim to represent".

 

Stigman

  • Confused 1

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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