DLC Debt Collection - advice needed

oxsh

i had an old credit card with citibank when i was very ill about 7 years ago and got into great difficulty and the debt was passed to DLC - i came to an arrangement to pay it after very threatening calls and abusive staff - i just paid it and brush there attitude under the carpet as i couldnt deal with the hassle - 3 years ago i moved house and had a small amount left to pay and cancelled DD and never heard from them again until last year and and i made 1 payment of £20 and didnt pay anymore due to struggling with other debt - i never heard from them again until today when they called and spoke to my wife and they asked her to confirm my name , dob etc etc and told her who they were and what it was for

i got to the phone and said they had breached data protection by asking for info and saying what they were chasing me for and they said i had given them permission previously for her to speak to them which was when i was ill. but i cant remember

i told them to put it in writing and i wasnt prepared to talk on the phone about it

what would my next course of action be - pls help

Tixy

Wait for them to write to you.

If they do I would send the prove it letter and ask them for proof you owe the money and proof they have a right to collect the debt.
You may also want to include in the letter a statement to say that all future communication should be in writing and not to telephone you.

Assuming they can provide proof then you could write either to offer a monthly repayment at a rate you can afford, or if you are ina position to do so you may wish to offer them a full & final settlement.

templates in a sec...
Letter when you know nothing about about the debt - AKA "Prove it"

Harassment by telephone - possible letter and citations

oxsh

Tixy wrote: »

Wait for them to write to you.

If they do I would send the prove it letter and ask them for proof you owe the money and proof they have a right to collect the debt.
You may also want to include in the letter a statement to say that all future communication should be in writing and not to telephone you.

Assuming they can provide proof then you could write either to offer a monthly repayment at a rate you can afford, or if you are ina position to do so you may wish to offer them a full & final settlement.

templates in a sec...

i am happy to wait for them to write to me but do i write a complaint letter about the DPA bit as i feel they have done wrong - cos my wife said she was my wife but the previous supposed approval could have been another wife they werent to know this

oxsh

would love templates too when you can link me to them - thank you