Post Office credit card and DLC (Direct Legal & Collections)

[floridagirl]

Hello

 

Received two letters today one from the post office asking for full payment of my credit card and one from DLC.

All charges and interest has now been stopped.

 

I rung DLC spoke to a guy who said that the offer of £8.17 per month was not acceptable I owe under £2000 to this credit card.

I explained I couldn't pay any more and I had used the calculator letter used by the courts to calulate payment to each card.

 

DLC said that they would take legal proceedings and put a charge on my property if I didn't pay £32.66 per month.

Again I explained that I couldn't pay this and I thought it very unlikely that they could put a charge on my property.

 

DLC then suggested a payment of £16.33 which I agreed to.

I would not give them my bank details to set up a direct debit I told them I would set up a standing order.

DLC totally dismissed all the advice I had been given by CCCS and they said that the post office operate differently and the debt had to cleared within 5yrs.

 

What should I have done?

The debt will be reviewed in August 2011.

DLC said that my debt was still with the post office they were just dealing with it on behalf of the post office.

[firstship]

Hi Floridagirl.1st thing stop the phone calls,keep everything in writing please.

 

As DLC are only acting for the Post Office,ignore DLC deal direct with the Post Office state you have taken guidance from CCCS and you can afford to pay them £8.17 and start paying it by Standing Order.You only need pay what you can honestly afford.

 

Do not worry most credit card companies would like to have the debt cleared within 5 years,if this looks unlikely they will sell the debt on.

 

If you want to keep DLC quiet send them a CCA request along with the £1 PO and send recorded,and see what this turns up

 

At this stage no worries

 

regards FS

[ICECREAM69]

Hi,

 

I have a card with post office too, i couldnt afford payments and sent a letter offering a payment of £40pm, i owe £1600 on it, a few days after sending my offer letter i got a letter telling me a default notice is going to be issued, i was issued the default notice and heard nothing for 2 wks, now i have received a letter from dlc and they are looking for the full balance, i spoke to them and they said that if i am making a repayment offer with post office i need to ask the post office to contact dlc to send the account back to them. I spoke to the post office who said my account was with the legal team, i spoke to a guy in the legal team who has agreed to my payment of £40pm even though i was told about 6 times that they wouldnt accept that payment, he has said that as long as i keep to my payment of £40pm he is happy to leave the account as it is. He was very helpful but did say that payplan advice doesnt work with them and that the post office has their own rules on how to deal with debt. Crazy huh!!

just wanted to let you know coz i know how it feels to be in this position.

 

Icecream69

[floridagirl]

Hi icecream69

 

Thanks for your reply, each credit card company appears to act differently, I am find ing that the most frustrating is barclaycard though.

[firstship]

Hi Floridagirl,How are you getting on with DLC? are you paying the PO the £8.17 direct ?

 

Regarding Barclaycard yes they are the most frustrating company to deal with,are you running this under a separate thread?

 

regards FS

[floridagirl]

Hi FS

I have had a letter from DLS and I agreed the £16.33 a month, I realised after I had done this I should have stuck out but the damage was done.

Barclaycard have agreed to my offer and have put an arrangement in plcae but said that after a couple of months I will be referred to Mercers whom I know is their in house DCA. I was having harrassing phone calls at all hours and barclaycard have removed my tel and my mobile no from their records. We now have to sort out my other half's 2 barclaycard credit cards then they are all under an arrangement then. I guess credit card companies just keep coming back ever few months to scare monger, I will deal with each situation as it arises.

[firstship]

Hi it appears things are heading in the right direction.Are there any charges and or PPI to recover?

 

You are correct there is a distinct pattern with the OCs they usually pass the debt on to their in house DCA so no change there,then it gets farmed out to another 2/3 DCAs then gets sold to yet another DCA,your attitude of just deal with it as it happens is fine.However on the way see what can be claimed back to reduce the debt,

 

Regards FS