Help please!

[Never-In-Doubt]

Re: Help please!

Isn't that coz you support Rangers?!

World club footballs most successful club. Yes mate. I do

[Spent2much]

Re: Help please!

There have been a few who thought we wouldn't last or tried to get us closed down. 6 years later we're stronger and more successful than anyone ever gave us credit for.

We love rubbing their noses in it (as we've now left them lingering behind - jealous of us and our lovely members).

I've been here nearly four years , I can't believe that and when i first joined i was frightened of the dca now i just open their letters post on here and send the appropriate reply if any is needed , couldn't have managed without you niddy and the rest of the family

[Oct Revolution]

Re: Help please!

Great words SnV.

Chin up Getting Sorted, you've come this far with the help and support from AAD and friends. Now you're nearing the end no-one is going to desert you. It's understanable you're having a little wobble right now, but follow Niddys (and othres) advice and you'll be in safe hands.

Good luck!

[Getting Sorted]

Re: Help please!

2 letters received yesterday that I've just picked up. Both from dlc, one about the account here on my diary but another account they had with my husband for a current account.

Both letters identical saying that on 1 March 2016, ME lll Limited bought the account from Hillesden Securites Ltd. ME lll Limited and Hillesden Securities Ltd (dlc) are both part of the Cabot Credit Management group. It goes on to say that although ME lll Limited are now the legal and beneficial owners of the account, dlc will continue to manage the account on their behalf.

With regard to the the current account, again, hubby followed the advice on the other site when you were there and luckily he is in possession of a letter dated from them (Hillesden) from 18 august 2011 to say that "we can confirm that due to the age of the account the original lender is unable to provide any further statements in relation to this account. Whilst we may not be able to enforce the agreement, the monies remain outstanding. The agreement of money paid has not been made illegal or void because of our current failure to supply a copy of the original agreement. We are prevented from taking steps to enforce the credit agreement but the underlying obligation to repay remains intact". I've kept this letter very safe of course!

So, do I wait for ME lll to contact me first and then would it be a sold in dispute letter for both and then send a copy of that letter that Hillesden originally sent, along with the sold in dispute letter for the current account. If you want me to start a diary on here for the current account I will do if it makes it easier.

I felt sick this morning when I got them, but I'm feeling ok about it now as reading through the diaries, this seems to be part of the norm. Will be guided by you on the next move. Thanks as always.
x

[Getting Sorted]

Re: Help please!

So, do I wait for ME lll to contact me first and then would it be a sold in dispute letter for both and then send a copy of that letter that Hillesden originally sent, along with the sold in dispute letter for the current account. If you want me to start a diary on here for the current account I will do if it makes it easier.



Just wondered if anyone had any views on my post from yesterday? Sorry to sound as if I need babysitting a bit. Letters seem non threatening so do I just sit tight and wait? Thanks as always.

Sorry - just realised I've done this wrong and not copied the quote from above. Need a brew.

[cymruambyth]

Re: Help please!

Definitely don't do anything until the contact you. I would post the just of the next letter, because it may be one that you can also ignore, you never want to reply too promptly

[Getting Sorted]

Re: Help please!

Definitely don't do anything until the contact you. I would post the just of the next letter, because it may be one that you can also ignore, you never want to reply too promptly

Thanks. I thought that might be the case but just wanted to check. Hope everyone has a lovely Easter.

[Getting Sorted]

Re: Help please!

"Generated" letter received today. "our records show that your account has been placed on hold for an agreed period of time which has now expired". I think you'll find I agreed for you to never contact us.

Please contact our customer account agents etc and it is important you contact us within 14 days from the date of this letter to avoid further correspondence.

I'm thinking that I just wait until the next one arrives?

[Pixie]

Re: Help please!

That's what I would do.

[Getting Sorted]

Re: Help please!

Update

Generated letter dated 11th April received today. Very similar to one's that we've had before. Slightly different ending on this one though which says

"If we do no hear from you within14 days from the date of this letter, we may pass your account to another debt collection agency who will contact you either by phone, letter or visiting you at your address to discuss your account"

Do you think this is another one to ignore and file for now? The wombles at DLC don't seem particularly bright! Maybe I'm doing a disservice to the Wombles!

Any advice appreciated.
x

[SaltnVinegar]

Re: Help please!

So they're saying they may pass your account to another debt collection agency who will harrass you with phone calls and letters.

Sounds like one to ignore to me, and see what other bottom feeders they may sell the account to.

Update

Generated letter dated 11th April received today. Very similar to one's that we've had before. Slightly different ending on this one though which says

"If we do no hear from you within14 days from the date of this letter, we may pass your account to another debt collection agency who will contact you either by phone, letter or visiting you at your address to discuss your account"

Do you think this is another one to ignore and file for now? The wombles at DLC don't seem particularly bright! Maybe I'm doing a disservice to the Wombles!

Any advice appreciated.
x

[Getting Sorted]

Re: Help please!

So they're saying they may pass your account to another debt collection agency who will harrass you with phone calls and letters.

Sounds like one to ignore to me, and see what other bottom feeders they may sell the account to.

Thanks SnV. Just to say that I read the post you popped on my thread regularly. Keeps my chin up and you are right in that the letters are starting to impact on me less and less. Not to say I don't have a wobble, but I'm certainly getting much better at this!

[nanna58]

Re: Help please!

I would wait till the next set of plonkers write ,BTW I like wombles xx

[Getting Sorted]

Re: Help please!

Hi everyone

Not been on for a while as we've been left alone - up until today of course. I've updated the thread. In a nutshell, offering a f & f settlement of £5012.99 and to call within next 30 days (like I'm gonna do that!). They also said if these options are not affordable, alternative arrangements may be available depending on your personal circumstances. we have a policy of treating customers fairly and will take into consideration your situation when reviewing your account.

Is this one to ignore for now as well? Any advice as always is appreciated.
x

[cymruambyth]

Re: Help please!

I think I would ignore.