direct legal and collections

nickyhutch

Hi, can anyone shed any light on this? I've come home to a letter from the above telling me they are collecting a debt from FCE bank for £523.67. Who are they, and who are FCE bank??!! Not a clue!

Thanks in advance

Mizz_Pink

Hi

Hubby had an old CO-OP loan which he never paid back. DLC took the loan over and he hadto set up a payment agreement of £150 to pay it back. DLC kept phoning him asking him to pay it off (he had mentioned to them about him re-mortgaging his house !). He was getting phone calls every day after that. In the end he paid it off but they didnt accept a reduced full and final settlement figure , they wanted the whole lot.

Check on your Experian file to see who FCE bank are.

nickyhutch

Hi Mizz Pink, and thankyou. I've googled it, and it's Ford Credit. It's for excess mileage, and when they wrote asking for it a couple of weeks ago, it was £280ish, so god only knows how it's almost doubled in a fortnight!! Well, they can have what I can give them, when I have it.

Thanks again!

Mizz_Pink

Thats a lot to pay! I found hubbys original paperwork for the loan and it was £500, he ended up paying over £5,000. Nightmare

nickyhutch

I know, 6p a mile doesn't seem much when you sign up for one of these daft Options things.... I had a job where I didn't do much mileage, then upped my hours, meaning more driving, and got a new DP with kids living 25 miles away who we drive to pick up/see once, sometimes twice weekly, so it shot up! Aaaaaargh!! Anyway, they wouldn't give me credit for a new car so I got a much nicer one elsewhere, thankyou Ford!

Thankyou again.

nickyhutch

I wrote to direct legal and collections asking them to confirm to whom the original debt was owed, to provide me with a copy of the original signed loan agreement and the notice of assignment, and sent the pound fee. This morning I get a letter from another "solicitors" saying direct legal and collections have instructed them to recover the debt. What the hell do I do now??
The new solicitor's address is the same PO Box number as direct legal.

Help please!

rog2

nickyhutch wrote:

I wrote to direct legal and collections asking them to confirm to whom the original debt was owed, to provide me with a copy of the original signed loan agreement and the notice of assignment, and sent the pound fee. This morning I get a letter from another "solicitors" saying direct legal and collections have instructed them to recover the debt. What the hell do I do now??
The new solicitor's address is the same PO Box number as direct legal.

Help please!

I suppose they are saying - Welcome to the underhanded world of debt collection:mad: :mad:

nickyhutch

Oh I'm more than familiar with it!! Should I send another letter, enclosing a copy of the last one I sent? Blimming cross, and fed up!

rog2

nickyhutch wrote:

Oh I'm more than familiar with it!! Should I send another letter, enclosing a copy of the last one I sent? Blimming cross, and fed up!

Yes you should. :beer:

Keith

DLC are terrible, they would not provide anything I asked them for, so I wrote to them on headed solicitors paper - my friend owns a firm

They quickly provided everything and when we replied due to them messing us around for 8 months, we would only pay 50% of the original debt and none of their fees they accepted.

nickyhutch

That's interesting info Keith, thankyou. I don't know any solicitors so I'll just have to be firm and stand up for myself. Just wish I'd got my finger out and paid Ford now!!