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Hi guys, (mods, please feel free to move my thread if you think it would be better served somewhere else please)
Im new here so please forgive me if I ramble. (I'll try to keep it brief)
I'm now disabled with no income, and live with my partner so when I was contacted by Delete UK Ltd at the beginning of May 2010, it seemed like a dreamcome true...I didn't know it would turn out to be a nighmare!
They told me that if I had any CCards that I took out before 1997 that the goverment had made some legislation and that we were entitled to money back,or even the whole balance refunded.
I thought it was too good to be true, so they told me to look on the MoJ website, and they were bone-fide agents that the government had authorised them to act. I checked and they were there, and listed as been in business for 7 years, so I thought they were great to deal with, and even the government had authorised them.
They said it was 'no win no fee', and I had nothing to lose. They told me that if I put the fee on one of the credit cards that I was going to get them to action, that their fees would dissapear along with the balance too.
They also told me that my credit rating wouldn't be affected (it was pretty near perfect before this)
So on 19/05/2010 I authorised them to start and gave them authorisation to act on my behalf, and I gave them all my details. They did all the paperwork from there.
In 06/2010 they recieved the agreements from the CC companies (Barclaycard and Egg)
I recieved a telephone call from DeleteUK 22/06/1020 to tell me that they had found several breaches in the Credit Agreement and to cancel my direct debit with them.
Then on 25/06/2010 I recieved the letter confirming this.
"Great news, after auditing your credit agreement we have found that it isin breach of Section 60(1) of TheConsumer Credit Act 'The Prescribed Terms' and since the terms have notbeen complied with theagreement is now rendered unenforceable by Section 127(3) of the same act. Section 127(3) states
"127(3) Thecourt shall not makean enforcement order undersection 65(1) if section 61(1)(a)(signing of agreements was not complied with unless adocument(whether or not in the prescribed form and complying with regulations under section 60(1) itself containing all the prescribed terms of theagreement was signed by the debtor or hirer "(whether or not in the prescribed manner)"
Then there was some BLURB from them and ending with them wanting me to pay more money to a company called Romana Investments Ltd "to protect from any future restitution".
I had no money left and nothing left on my CC so I told them that I couldn't.
All seemed good in the world, but that's when the dream started to turn into a nightmare!
Firstly telephone calls, they told me to ignore them and to put the phone down, or to say "I have already successfully challenged the enforceability of any agreement and require you and your agent to delete any and all personal information about me"
They told me to ignore letters and calls from them.... there were many many calls!
(sorry my mouse decided to post without me finishing lol)
So then I started getting calls from Mercers (who were quite rude, so I emailed the C.E.O. or BarclayCard and told them to stop calling me and direct anything to my agent DeleteUK in writing. (the calls stopped for about a week)
Suddenly last week, I started to get calls from a company called Calders too.
Calders are threatening Court Action now.
So, sorry it's been long winded (I did try to keep it short..honeslty
)
.... also just read that Barclaycard has bought Egg, so I suppose I'll be getting double calls from Mercers/Calders
Im new here so please forgive me if I ramble. (I'll try to keep it brief)
I'm now disabled with no income, and live with my partner so when I was contacted by Delete UK Ltd at the beginning of May 2010, it seemed like a dreamcome true...I didn't know it would turn out to be a nighmare!
They told me that if I had any CCards that I took out before 1997 that the goverment had made some legislation and that we were entitled to money back,or even the whole balance refunded.
I thought it was too good to be true, so they told me to look on the MoJ website, and they were bone-fide agents that the government had authorised them to act. I checked and they were there, and listed as been in business for 7 years, so I thought they were great to deal with, and even the government had authorised them.
They said it was 'no win no fee', and I had nothing to lose. They told me that if I put the fee on one of the credit cards that I was going to get them to action, that their fees would dissapear along with the balance too.
They also told me that my credit rating wouldn't be affected (it was pretty near perfect before this)
So on 19/05/2010 I authorised them to start and gave them authorisation to act on my behalf, and I gave them all my details. They did all the paperwork from there.
In 06/2010 they recieved the agreements from the CC companies (Barclaycard and Egg)
I recieved a telephone call from DeleteUK 22/06/1020 to tell me that they had found several breaches in the Credit Agreement and to cancel my direct debit with them.
Then on 25/06/2010 I recieved the letter confirming this.
"Great news, after auditing your credit agreement we have found that it isin breach of Section 60(1) of TheConsumer Credit Act 'The Prescribed Terms' and since the terms have notbeen complied with theagreement is now rendered unenforceable by Section 127(3) of the same act. Section 127(3) states
"127(3) Thecourt shall not makean enforcement order undersection 65(1) if section 61(1)(a)(signing of agreements was not complied with unless adocument(whether or not in the prescribed form and complying with regulations under section 60(1) itself containing all the prescribed terms of theagreement was signed by the debtor or hirer "(whether or not in the prescribed manner)"
Then there was some BLURB from them and ending with them wanting me to pay more money to a company called Romana Investments Ltd "to protect from any future restitution".
I had no money left and nothing left on my CC so I told them that I couldn't.
All seemed good in the world, but that's when the dream started to turn into a nightmare!
Firstly telephone calls, they told me to ignore them and to put the phone down, or to say "I have already successfully challenged the enforceability of any agreement and require you and your agent to delete any and all personal information about me"
They told me to ignore letters and calls from them.... there were many many calls!
(sorry my mouse decided to post without me finishing lol)
So then I started getting calls from Mercers (who were quite rude, so I emailed the C.E.O. or BarclayCard and told them to stop calling me and direct anything to my agent DeleteUK in writing. (the calls stopped for about a week)
Suddenly last week, I started to get calls from a company called Calders too.
Calders are threatening Court Action now.
So, sorry it's been long winded (I did try to keep it short..honeslty
).... also just read that Barclaycard has bought Egg, so I suppose I'll be getting double calls from Mercers/Calders
. They take half of it in charges as do the ILF. I'm afraid the DWP don't care about your previous living arrangements or who benefited from the money. Sometimes life isn't fair.
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