DLC Threatening CCJ

[SA Gold]

Re: DLC Threatening CCJ

Well done, sounds like things are going nicely for you!

[SXGuy]

Re: DLC Threatening CCJ

Im so glad to see you got one over on DLC, they can be ruthless so its good to know we have stuck two fingers up to them!

[Never-In-Doubt]

Re: DLC Threatening CCJ

To put the icing on the cake, I have received a letter from DLC today in reference to the second account held by them, saying 'no agreement currently available'. So that's 2 out of 2 where DLC have admitted they have no paperwork!
I am very grateful for everyone's advice, comments and enthusiasm in pursuing this.

haha - brilliant, you couldn't ask for better

[reading1]

Re: DLC Threatening CCJ

To put the icing on the cake, I have received a letter from DLC today in reference to the second account held by them, saying 'no agreement currently available'. So that's 2 out of 2 where DLC have admitted they have no paperwork!
I am very grateful for everyone's advice, comments and enthusiasm in pursuing this.

[Undercover Elsa]

Re: DLC Threatening CCJ

Exactly. If they defaulted you over 6 years ago and the accounts have dropped off your credit file then you're home free. They can't put them back on again, pay or no pay.

[CleverClogs (RIP)]

Re: DLC Threatening CCJ

I have been paying them every month for years, along with other creditors, therefore, after the original defaults in 2004/2005 my credit rating has been good for the last year or so.

They can only default you once.

[reading1]

Re: DLC Threatening CCJ

Hi Clever Cloggs
I have been paying them every month for years, along with other creditors, therefore, after the original defaults in 2004/2005 my credit rating has been good for the last year or so. Regards Reading1

[CleverClogs (RIP)]

Re: DLC Threatening CCJ

Thanks for your replies - just one more thing, I noticed in one of the template letters that they can still inform the credit reference agencies of account conduct, does that mean that non payment by me would adversely effect my credit rating?

How can it be worse than it presently is?

Paying the buggers on an agreement they cannot enforce will not improve your credit rating - it will just make them richer and you poorer.

[reading1]

Re: DLC Threatening CCJ

Thanks for your replies - just one more thing, I noticed in one of the template letters that they can still inform the credit reference agencies of account conduct, does that mean that non payment by me would adversely effect my credit rating?

[helmsman]

Re: DLC Threatening CCJ

Should I send the final response from the templates section - 'no CCA received letter' at this point? Many thanks

Well done, as already said keep that letter very safe photo copy it about a dozen times and when they threaten you again send a copy (highlite the bit that says they cant enforce) and Niddy will point you to the template that will accompany it. I have 4 letters like that thanks to Niddy.

[SXGuy]

Re: DLC Threatening CCJ

dont send anything, leave it now.

Some advice, you will still get letters from DLC, they dont give up like others, they will be yearly statements, etc.

More importantly you will get vague letters saying "We have some new information regarding this account, please telephone us"

This is a lie, they simply want you to ring and trap you in to agreeing a payment, ignore the letters.

Infact ignore everything unless they either send you a CCA or a claim form. Which isnt going to happen anyway.

[Never-In-Doubt]

Re: DLC Threatening CCJ

no why would you do that? They have confirmed there is no agreement, great. Ignore it. If they hassle you then come back to us and we'll guide you along.

[reading1]

Re: DLC Threatening CCJ

Should I send the final response from the templates section - 'no CCA received letter' at this point? Many thanks

[Never-In-Doubt]

Re: DLC Threatening CCJ

that's the thing you see, if lenders treated people with basic respect then we'd probably not be here today - as they treat us like scum, we fight back and as the saying goes - revenge is a dish best served cold.

Well done, keep us updated if you get any hassle over this..

[Pixie]

Re: DLC Threatening CCJ

Great news