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Debt Collection Start Up Loan

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Wondering if anyone can help please?


I took out a start up loan which I fell behind on when the business failed for various reasons.

I wrote to the start up loan provider who failed to confirm accept of my offer of payment

and instead instructed a DCA to collect on their behalf.


I again wrote with all my income/expenditure and a monthly offer and made my first payment in July 2015

but to the account of the start up loan provider.



The DCA then wrote to me chasing payment.

I wrote back and advised I had made a payment and hadn't received confirmation from them that they had accepted my payment proposa

l or confirmed the bank details to which I could make a payment to.


They wrote back and advised they would investigate but never came back to me.

I wrote to them several times again asking them to confirm acceptance of my payment proposal

and to confirm bank details to which payment was to be made.



A final letter was sent on 12th October 2015 giving them 7 business days to respond otherwise I would consider the account to be settled and closed.


I heard nothing!!!

Then at the beginning of January I received a letter from another DCA acting on behalf of the start up loan company.

I wrote to them and advised of my previous dealings with the previous DCA

but then the new DCA started to call me on a new mobile number which the previous DCA or start up loan did not have.


I wrote again to the new DCA asking them to stop calling my mobile number

and asking them to confirm where they got my new mobile number from and to respond to my previous correspondence.


I received a letter today which in no way refers to my previous letter telling me that if I do not make a payment

they will speak to the original creditor to discuss further courses of action.


What would be my next course of action.



I have tried to set up payment plans with these people but its like banging my head against a brick wall!!!!


Any advice would be greatly appreciated.




Edited by maroondevo52

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name names please.



and can we have some timelines to this story too.



have you the org agreement still?




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


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