dcl

sadwatch

Hi All,
first time posting look forward to your help and sorry for the long post.

Back in i think 1998 i had an M&S store card which they changed over to a credit card with an intial limit of £3500 which was ok and i used it an made my payments. In 2008 i ran into financal difficulties and had you make an arrangement to pay the by this time £6000 as limit rised over time to £6500 i agreed in verbally and in writting £80.00 then from 2009 £100 per month and i have not missed a payment since £100 per month.

Then out of the blue i got a telephone call from a company called DLC who was demanding £4000 very hard line even asking if i could borrow the money from Family etc very unpleasent call, i told them never heard of them i had continued to make agreed payments i will sort with M&S and hung up.

i call M&S and they had recordedi had not paid since the 28th Jan 2011 i told them cheque numbers and cashed dates and they went away can called me back yes i had paid and they had miss allocated my money elsewhere. but i still they have said have to deal with DLC i argued what about charges and interest charged plus DLC charges added to the balance applied wrongly as i had held my end of the agreement.
they are saying no charges applied i dont believe them as i have paid in the 3 years £3000 off £6000 but now debt left £4000.

I dont know what to do next i cant afford more money then the £100pm agreed it they a way out.

thanks for reading

MissShoes

are you getting monthly statements? When you get your next statement the balance should indicate whether the charges have been wrongly applied or not?