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Good Afteroon everyone. I am new to the Forum and would very much like some kind advice with my problem with DLC Collections. As I am 70, I can do without all the hastle from these people that I feel are trying to take me for a fool.
My Credit Card Account was with "LV" through Saga. I had an arrangement with Liverpool Victoria for payments of £1 monthly. This was due to expire in April this year (6 months).
DLC sent a letter in February stating that I should make payments to them as they had purchased the account. I transfered the payments over to them.
I had no other correspondence saying they were the legal owners.
On March 24th (dated) by 2nd class mail, I received a "Notice of Default" (it arrived 29th March), stating that arrears of £644.61 was overdue and had to be paid by 12th April. Also stated was... "IF YOU DO NOT TAKE THIS ACTION BEFORE THE ABOVE DATE FURTHER ACTION BELOW MAY BE TAKEN:.....
"If you fail to make the above payment by the stated date we will terminate the agreement without further notice toyou". This Default Notice was not shown to be under "Section 87" you will note.
I continued with the £1 Standing Order and on 24th May, I received a further letter from DLC saying... As you are aware your debt has been sold to Hillesden Securities Ltd by Liverpool Victoria ! Since owning the account we have not applied any charges or late payment fees. This letter gives you notice the account will start accring charges from May 26th. The interest rate will reflect the recent rate charged byLiverpool Victora. Going forward, a monthly statement will be issued et, etc.
On June 1st by "Recorded" I sent £1 requesting copy of the CCA Agreement to DLC. No response at 21/6/10, so as the "Default" said the account would be terminated without further notice, I sent by "Recorded" a letter of "Unlawful Rescission". On June 23rd,I sent "Recorded", a letter of ACCOUNT IN DISPUTE.
I raised the point that no CCA Agreement had been sent, The Default Notice, i
if they owned the account was defective on days, and amount, and also no notice of assignment had been served. I also pointed out that I required written confirmation of assignment . I also pointed out that they were not permitted to make and add charges until the matter was sorted.
22nd July a reply from DLC saying they had passed the matter to Hillesden Securities, to comment on.
All Hillesden Securities are doing is writing each month saying they have still not received copy of my CCA, and that as they own the account they can still make charges etc.
This month they have again sent a letter saying the same old story,,,they are still waiting for the CCA Agreement, and that they purchased the account in JULY 2001. I never had the account in 2001!
They are still sending me monthly statements adding £60 interest on £3200 and taking the £1 payment I make. The account is going up each month.
I would be most grateful for any help and advice. Have I done the correct thing by sending "Account in Dispute" as it seems to make no difference; they are still adding interest monthy and I have no evidence they purchased the account.
Thank you so much for any kind advice.
My Credit Card Account was with "LV" through Saga. I had an arrangement with Liverpool Victoria for payments of £1 monthly. This was due to expire in April this year (6 months).
DLC sent a letter in February stating that I should make payments to them as they had purchased the account. I transfered the payments over to them.
I had no other correspondence saying they were the legal owners.
On March 24th (dated) by 2nd class mail, I received a "Notice of Default" (it arrived 29th March), stating that arrears of £644.61 was overdue and had to be paid by 12th April. Also stated was... "IF YOU DO NOT TAKE THIS ACTION BEFORE THE ABOVE DATE FURTHER ACTION BELOW MAY BE TAKEN:.....
"If you fail to make the above payment by the stated date we will terminate the agreement without further notice toyou". This Default Notice was not shown to be under "Section 87" you will note.
I continued with the £1 Standing Order and on 24th May, I received a further letter from DLC saying... As you are aware your debt has been sold to Hillesden Securities Ltd by Liverpool Victoria ! Since owning the account we have not applied any charges or late payment fees. This letter gives you notice the account will start accring charges from May 26th. The interest rate will reflect the recent rate charged byLiverpool Victora. Going forward, a monthly statement will be issued et, etc.
On June 1st by "Recorded" I sent £1 requesting copy of the CCA Agreement to DLC. No response at 21/6/10, so as the "Default" said the account would be terminated without further notice, I sent by "Recorded" a letter of "Unlawful Rescission". On June 23rd,I sent "Recorded", a letter of ACCOUNT IN DISPUTE.
I raised the point that no CCA Agreement had been sent, The Default Notice, i
if they owned the account was defective on days, and amount, and also no notice of assignment had been served. I also pointed out that I required written confirmation of assignment . I also pointed out that they were not permitted to make and add charges until the matter was sorted.
22nd July a reply from DLC saying they had passed the matter to Hillesden Securities, to comment on.
All Hillesden Securities are doing is writing each month saying they have still not received copy of my CCA, and that as they own the account they can still make charges etc.
This month they have again sent a letter saying the same old story,,,they are still waiting for the CCA Agreement, and that they purchased the account in JULY 2001. I never had the account in 2001!
They are still sending me monthly statements adding £60 interest on £3200 and taking the £1 payment I make. The account is going up each month.
I would be most grateful for any help and advice. Have I done the correct thing by sending "Account in Dispute" as it seems to make no difference; they are still adding interest monthy and I have no evidence they purchased the account.
Thank you so much for any kind advice.
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