Problems with DLC

Darren_Jey

Hi all,


I took out a loan with a company called "The Money Store" approx 2 years ago for the sum of £2000. Athe the time I was in a bad financial situation and agreed to pay back over £4000.

Approx 10 months ago, my account was sold to a company called "Direct Legal and Collection" (DLC).

I only recieved a letter telling me this and never recieved anymore correspondance after this.

Knowing that my loan repayments were coming to an end, I called them up to find out how much I had left to pay.

After speaking to the lady on the phone, I found out that I had 1 payment of £120.98 and a final payment of £60. I was happy to find out that I only had £180.98 left to pay.

On the 28th October my payment for £120.98 was taken out of my account as normal. However, 2 days later I received a letter from DLC saying that my payment had been refused by my bank.

I checked my bank to find that this was not the case, and the payment had been made.

I decided to ignore the letter, thinkg it was a error their side.

I then received another 2 letters aswell as people leaving messages on my phone, telling me to contact them urgently.

I rang the to find out what the problem was, only to be told that they dont know why I was being contacted by them. Which I thought a bit strange. I asked about the payment and they told me that it had been received by them.

When I asked about my final payment of £60, I was told that I had £180 left to pay. Obviously I queried this and I was told that I had been charged £60.

When asking why, I got the same answe, telling me they did not know why I had been charged. I was told that as a goodwill guesture they would take the charges off (like they were doing me a favour).

Then I realized, that this meant I still had £120 to pay. I queried this, saying that I had been told that my final payment would be £60, and they told me that I wouldn't have been told that, my payment is £120.

I argued "how can you tell me that I didnt get told that, when you cant even tell me why Im being contacted and charged".

After about 20 mins on the phone, they hadn't budged at all and they are telling me I have to pay £120.

I dont want to pay this company a penny more than I need to, problem is I never recieved a statment from them to say how much my balance was, so I dont know if I have a leg to stand on, it feels like its my word against theirs!

Can anyone help?

petermb_2

Hi
Write to them asking for a copy of the agreement and a full statement of payments. Advise that you will not make further payments until this has been done.

regards

Peter

Darren_Jey

petermb wrote: »

Hi
Write to them asking for a copy of the agreement and a full statement of payments. Advise that you will not make further payments until this has been done.

regards

Peter

Thanks Peter.

If I refuse to pay until I receive this information, can they charge me for non-payment?

petermb_2

No.
Advise them that you are now in dispute and quote the following;

Please be aware that until you have provided these documents we are now in dispute with you and the lender.


We advise that as a consequence, as a standard right of contract dispute, no action may be taken against this account whilst it remains in dispute. Therefore, we demand, as is our right that the following to be adhered to, until such time as the dispute has been resolved.

· You may not demand payment on this account, nor am I obliged to offer any payment
· You may not add further interest or charges to this account
· You may not pass this account to any third party
· You may not register any information in respect of this account with any credit reference or other agencies
· Any current legal action or move towards legal action must cease, until we have been provided with the documents we have requested.


That should do it.!

Darren_Jey

petermb wrote: »

No.
Advise them that you are now in dispute and quote the following;

Please be aware that until you have provided these documents we are now in dispute with you and the lender.


We advise that as a consequence, as a standard right of contract dispute, no action may be taken against this account whilst it remains in dispute. Therefore, we demand, as is our right that the following to be adhered to, until such time as the dispute has been resolved.

· You may not demand payment on this account, nor am I obliged to offer any payment
· You may not add further interest or charges to this account
· You may not pass this account to any third party
· You may not register any information in respect of this account with any credit reference or other agencies
· Any current legal action or move towards legal action must cease, until we have been provided with the documents we have requested.


That should do it.!

Thanks alot for all the information

This will all be a big help

Thanks again

D