DLC Threatening CCJ

[SA Gold]

Re: DLC Threatening CCJ

hi,
are you able to scan and upload the letter you have received (please remove personal details, account numbers, balance and anything that could identify it as your letter) to this thread?

Edit: Also, i appreciate you want to see to this first, although a diary will help members advise you accordingly.
This thread explains how to do that.

[ScabHunter]

Re: DLC Threatening CCJ

For now, have a look at this post here -

allaboutFORUMS - View Single Post - Slickfm UE Diary

and the ones around it, to give yourself an idea of how you need to respond to this. It is almost certainly a silly threat and not a genuine letter of claim, but by treating it as one you can put them on the back foot before they start to get nasty.

SH

[reading1]

Re: DLC Threatening CCJ

Hi - thanks for your question, I sent it on the 21st feb, the letter from Alpin was dated 22nd feb

[SA Gold]

Re: DLC Threatening CCJ

hiya,
welcome to the forum.
How long ago did you request a copy of the agreement?

[reading1]

Hi All
(Thanks to Niddy for prompt help in registering)

I would appreciate any help on this situation.

I entered into an unofficial debt management plan with around
15 creditors around 8 years ago, after being through the mill with a debt management company who mis-handled the situation, resulting in higher debts for me. Interest and charges were frozen and I have been paying low payments every month ever since.

Suddenly last week I received a letter from Direct Legal and Collections and a flurry of phone calls (which I ignored) on one account with them, saying some new credit information had come to light and they needed to speak to me urgently. (I have recently applied for a car loan, so i'm not sure if they have been alerted to this).

Then the next day another letter relating to my other account with them arrived saying they would be applying for a ccj and then a charging order as my 'recent repayment offer was unacceptable'.

I had a good scout on this site and a few others and decided the best course of action would be to request a copy of the consumer credit agreement and sent this for both accounts last week by first class recorded delivery.

Then yesterday I received a letter from Alpin Solicitors telling me they had been instructed by DLC to take steps to recover the outstanding balance on one of the accounts. They have requested I call DLC to make full payment or reach agreement within 7 days or legal proceedings may commence.

After all this time I have just managed to get into a situation where my credit file is looking pretty good and I don't want to risk a ccj at this stage.

I am not sure how to deal with this. Should I reply to Alpin saying I am waiting for the CCA information from DLC?

Any advice would be very welcome.

Many thanks