Hillesden/mortimer - claimform - blackhorse loan 'debt'

[dx100uk]

Hi

I can't give you any advice about what to do about the debt,

but I can tell you about DLC, as I have dealt with them myself.

 

If you end up paying them anything,

make sure you have whatever agreement you make with them in writing,

because they WILL phone you every month or so to try and badger you to pay more.

 

We started paying them an amount,

and every month they phoned my missus

and convinced her to pay more.

 

They would use such phrases to her as "Court", "we will take further action",

and generally made arses of themselves.

 

They're also completely inept at keeping paperwork. Hope this helps.

Rich

 

 

they can make all the threats they like

 

but if they dont OWN the debt

they can do NOTHING.

 

and even then very litlle.

 

stay off the phone too.

 

and ALWAYS CCA them.

 

dx

[Bandit127]

Having been through similar with DLC myself, I will post advice to other people that may find this thread in the future.

 

You really shouldn't have spoken to them.

 

Send them a letter specifying in writing only and that they must remove your phine numbers under the Data Protection Act 1998. Send Signed For.

 

Log the phone calls that you will get as they ignore your letter and keep calling. Do this for a week (do 1471 to get the number and time).

 

Send them a letter of complaint, with reference to your "writing only letter" and a log of the calls they made after you can prove they got the letter. Send signed for.

 

The calls will stop when they get the complaint letter.

[Ladylovessalsa]

uploaded attachments

[dx100uk]

we dont need to see those

 

they are just threat-o-grams

 

you said:

 

Black Horse. on the PPI which they have agreed.

 

can we see this document please

 

dx

[Ladylovessalsa]

Here is Black Horse's response - Sorry for the delay... Let me know what you thin

 

Ladylovessalsa

[dx100uk]

i thank you for your letter of the XX

 

however, i am rather puzzled that you appear to consider it appropriate to 'forget'

you charged me compounded interest on the PENALTY charges you have 'waived' & also missed one off.

 

this leave you some £168 light of correct redress.

 

dx

[Ladylovessalsa]

Did my response make sense....?

[dx100uk]

what resp....

 

 

dx

[Ladylovessalsa]

Hello there again....

 

Just to let you know that Black Horse repaid me the £168 as per your advice..

. Thank you so much.

 

.. however, we seem to be going round in circles again because

 

I have just received a letter from Mercantile credit Bureau about a settlement figure.

 

.. I have had no further contact with them re: the loan.

 

Any advise on what I should do about this letter.

What can they do to me now?

I haven't made a payment on this since December 2010,

where I had an arrangement for £15 pounds in place when they delegated the debt to DLC to chase.

 

Your advise again would be appreciated - I don't want them turning up at my door!

 

will post letter shortly...

[Ladylovessalsa]

Here is the settlement offer letter as promised... Please tell me what to do?

[dx100uk]

so 50% discount letter

 

time to ignore the debt

 

now you've got the penalty charges refunded now

 

what happened about the ppi?

 

dx

[Ladylovessalsa]

Hi there, As I had arrears on the account I got £124 for the PPI as well..

[dx100uk]

when?

 

dx

[Ladylovessalsa]

Hi there..

. this is an on going saga isn't it..

 

. As I mentioned before,

 

I got some money back from the PPI which was reduced because I had been in arrears.

.. (Can they do that? - Can they take money that they have worked out that they owe you and put it towards your account if it is in arrears

- Can they do that?

 

I had a letter from Ruthbridge see attached.

.. all my contact details are in it.

 

As I said, I haven't made a payment on it since 2010.

 

. what should I do about this - if anything.

 

Heard some exceedingly nasty things about these people..

.. and it seems that they can't do anything but they just have some distasteful practises..

 

. What is the SP?

[BRIGADIER2JCS]

Ruthbridge have been around quite a while and have a very unpleasant reputation.

 

Normally they seem to take on debts that no one else will touch for various reasons, e.g. no agreement/statute barred etc.

 

If a debt has been sold to a debt purchaser/DCA with PPI then there is no right to offset any repayment must be paid to you.

 

Who is signing the Ruthbridge letters now please?

[dx100uk]

ok I've merged and tidied several threads on these loans.

 

they are now both in the same thread.

 

you have a secured loan,

you have a sold? un-secured loan that has been sold - the above is a discount letter regarding that loan?

 

as for the secured loan, what is the durrent status with that, whom are you paying now?

 

dx

[Ladylovessalsa]

Hi Dx, yes all of the above is correct.

.. I have a unsecured which Ruthbridge have written to me about.

 

.. With the secured loan,

I have to send my bank statements to them every three months

so that they can put a payment arrangement in place..

 

. With all the interest etc

 

... its now stands at around £30k but until I sell the property I wouldn't be able to pay it back.

[Ladylovessalsa]

Ruthbridge have been around quite a while and have a very unpleasant reputation.

 

Normally they seem to take on debts that no one else will touch for various reasons, e.g. no agreement/statute barred etc.

 

If a debt has been sold to a debt purchaser/DCA with PPI then there is no right to offset any repayment must be paid to you.

 

Who is signing the Ruthbridge letters now please?

 

 

Brigs?

Are you saying that if they had already sold the loan to DLC or who at the time

they had no right to take the PPI money they owed to me

and put it towards the arrears on the account?

 

Because if you are saying that I've got some paperwork to find pronto.

 

... please confirm that this is the case...

[Ladylovessalsa]

Brigs? Are you saying that if they had already sold the loan to DLC or who at the time the had no right to take the PPI money they owed to me and put it towards the arrears on the account? Because if you are saying that I've got some paperwork to find pronto.... please confirm that this is the case...

 

 

Also, the letter from Ruthbridge isn't signed by anyone just 'Ruthbridge Limited'

[dx100uk]

PPI cannot be offset against a debt the original creditor does not owe no.

 

dx

[dx100uk]

the letter you posted as PPI refund earlier is the charges £105 refund

where is the PPI refund letter?

 

dx

[Ladylovessalsa]

Will try to find it today and post tomorrow

[BRIGADIER2JCS]

This is it seems to be another instance of offsetting by a creditor after sale of the debt.

[Ladylovessalsa]

Had another from Ruthbridge..

 

. they want 50% of the balance by no later that 21 October 2013

and that if I don't respond they will 'carry out further investigations into your financial circumstances

with the possibility of recommending the most suitable legal action that our client could take to recover the outstanding balance.'

 

'Due to the size of the outstanding balance and period of non-payment

we could propose that our client looks into the possibility of a county court judgement ..

 

.' it goes on to mention charging orders and the refinancing of your property' etc...

 

Can they do any of this?

 

I'm getting ready for the nasty letters..

 

. Will scan and post tomorrow..

[Ladylovessalsa]

I have found the letters for the refunds...

 

I have to be honest I can't make head nor tail of what they are saying...

 

but what I do know is that in the refund letter on the secured loan,

 

there is a paragraph in it that talks about 'Arrears on your account'

 

Please be aware that if your load is in arrears when we make the PPI refund,

we will use part or all of the PPI refund to repay towards these arrears.

 

If the PPI refund is more that the arrears on your account we will then refund the remainder of the PPI refund to you'

 

- If you do nbot wish us to do this, please contact us on 0844...

 

I remember calling and letting them know that I did not want then to do that

and in the payment letter I'm sure they did deduct it.

.. so I'm not sure what happened there..

. it's all very confusing..

 

. Will post letters tomorrow for you to see...