DLC Chasing an egg debt, refusing to acknowledge any requests

chrisjmccreadie

Hello,

I started getting calls from a company called DLC who said they were calling on behalf off EGG.

I tried to corporate with them at the start to sort it out but they just want the money, have no interest in the fact that I do not owe the money.

So I read up on the subject, found this forum and started the process.

Before I go on I will share with you how I am keeping them at bay. I own a few properties and I put a mail redirect on one of them to a virtual post box (uk post box]) so all the mail is sent to this address and they scan it in, makes the paper trail super easy.

Next I set up a skype number which I gave them goes to my virtual assistant (rent a smile) who logs the call and says I am not in as I do not have time to talk with them. They phone about twice a day on average, including weekends early in the morning and late at night.

If I do speak to them I do it with my iphone (routed with the skype number) and use callrec.me to record the call.

I hope this audit trail will come in useful at some point.

Ok, on to the issue.

I sent them a letter using the standard CCA agreement, sent the postal order as I shiould have and got a response back telling me to request he information from EGG. This letter was from yet another company, Now I am no legal expert but something fishy is going on here.

They also returned my postal order, have they adhered to the CCA can they still contact me?

I was just wondering what my next response should be,

I would attach the 2 letters but money saving expert will not let me as i am a new user



Thanks

Chris

chrisjmccreadie

Well, Just got another letter from DLC asking for full payment again. It has reset it is like the never received my initial CCA does this count can they pass the puck and proceed to harass again?

Culex

As your credit report (from your other thread) seems to be clear, it seems self-evident that either you have never owed this money or that the alleged debt is statute barred (and hence unenforcible through the courts) under sections 5 and 6 of the Limitation Act 1980.

Refer the oiks to the celebrated retort in the matter of Arkell v. Pressdram.

chrisjmccreadie

I understand that and I will my question is much simpler though

Do i reference the first letter, mention they passed me to another company who told me to contact egg directly and tell that that they are breaking the law now. I have read all the other threads and not seen a standard response for when they act this way.

Thanks

Chris

chrisjmccreadie

I just sent them a modified version of the CCA 2 letter document saying that the original timings still stand and they should not really try to pass me off to another company and then resume business as usual. I also wanted to know who this other company is and why they think they can share my information with them.

Thanks

Chris

chrisjmccreadie

another day another letter from another solicitor this time saying i have 7 days to answer DLC.

Is this a tactic by these debt collectors to send correspondence from "other parties" when you request information which they are unwilling to provide as they are not contacting you directly?

Is it wise to answer these solicitors letters (I have had 3 now) or just ignore them and wait for DLC to respond?

Also is it reasonable to ask for costs?

Thanks

Chris

Culex

chrisjmccreadie wrote: »

another day another letter from another solicitor this time saying i have 7 days to answer DLC.

Considering that neither Egg nor DLC has yet proven that you owe this money or that it is not statute barred, such a letter may seem at least rather ironic. However, not all letters that seem to have been sent by a solicitor were actually sent by one - it is not unknown for a DCA to use letter headings to deceive one into believing that real lawyers are now involved. They shouldn't do this, of course but, as nobody seems inclined to enforce the Solicitors Act 1974, the debt collection agencies get away with it.

Is this a tactic by these debt collectors to send correspondence from "other parties" when you request information which they are unwilling to provide as they are not contacting you directly?

Those letters may certainly be meant to persuade one that the DCA has a legally enforcible claim to the money despite them not having deigned or been able to send a copy of the documents sought.

However, it does seem odd that you should have received letters from three different firms of "lawyers"; if the first could present a valid and enforceable claim to a court, why did it not do so? If the claim really was enforceable, why (and how) was it apparently transferred to a second (and then a third?) firm of "lawyers"?

Can you post (or PM me) the names and postal addresses of those supposed lawyers?

DVardysShadow

Let's start from the beginning. You say you do not owe the money. Why not?

• Is it not your debt?
• Have you paid it off previously?
• Is it statute barred?
• Are you claiming it is unenforcable for other reasons?

Depending on the answer, you should be dealing with this in different ways. Unfortunately, if you set off down the wrong track with this, you could cause yourself a lot of grief if the DCA come to the view that you do owe the money because you are not refuting the debt for the correct reason.

chrisjmccreadie

Hi,

It is not my debt, I have not used an egg credit card.

Thanks

Chris

jonjamie1970

chrisjmccreadie wrote: »

Hi,

It is not my debt, I have not used an egg credit card.

Thanks

Chris

Why are you creating work for yourself, just tell them its not your debt and when it goes to court they will have egg on their face.

Just ignore them, is it in your name and address ?

DVardysShadow

Then WHY for goodness sake, send off a CCA request? You are focussing too much on skype and redirection and technical means of keeping them at bay, without telling them the one thing they need to hear.

All you have done is made them think that it IS your debt and that you are wriggling out of it through a well known loophole. Because the CCA request is the start of a process of getting out of a debt which is yours.

You need to write a letter [don't sign it but keep a copy] saying that the debt is not yours and they should leave you alone and not contact you further by phone or letter