DCA, Repossession and Divorce! Please Help!

tallyhoh

Farawayhorizons wrote: »

Mycontribution is just in terms of monthly utility bills and food and day to day expenses. Not to the actual buying of the house. My DW had already purchased/paid for the house when I met her. So surely that is safe - hope so!

They may not see it that way, I looked into this as I own a house & my OH got into real money problems & wanted to declare himself bankrupt. There was a couple of threads about this on the bankruptcy board or my earlier posts.

Farawayhorizons

fatbelly wrote: »

Yes - you do not have to dance to their tune.

The phrase in the sample letter about not admitting the claim is there because people are often approached about these debts after a period of many years and 'admitting' the debt at that point may prevent the debt from becoming 'statute barred' (or unenforceable under CML rules).

If you prefer (though if you have not yet made payment nor acknowledged the debt in writing I'd stick to the original text) you could replace the paragraph with something along the lines of 'Payment of this account is conditional on a satisfactory response to the following.'

Are DLC just collecting on behalf of GE or have they bought the debt? Do they refer to GE as 'our client'?

OK I took fatbelly's advice and I sent the M1 letter off first thing this morning. I can't remember if they said they were recording the call I had with them stating that I would pay the £20/week starting this Monday. Oh well we will see what happens.

The letter should get to DLC on Monday. Since I previously agreed (by phone) to make the first payment on Monday should I phone them and tell the I had reconsidered and have sent the letter to them?


Also what is puzzling me, and not sure if it is to late to question it, is why did I not see any of the repossession documentation. The only correspondence I saw was the letter from the Insolvency Service about my ex going bankrupt and offering for me to buy her half of the house - which I could not afford to do. I was given a very short time frame in which to sell the house and by the time I found a buyer (after going through an Estate Agent and doing a HIP) GE Money said the buyers offer was too low, and that my time was up and it was to late and said the repossession was giong to begin. No further letters or phone calls were made to me. At the time I was so beaten down that I did not follow up on it. Now seeing more clearly I am wondering if the repossession was handled correctly. Any ideas?

Farawayhorizons

And I did phone Payplan and the lady said that they only deal with multiple store card debts. Tried to phone National Debt line and while on hold for about 20+ mins, the call cut off at exactly 9pm :mad:. I will try back tonight after work.

Farawayhorizons

Bump!