Jump to content


DLC after old WElcome Finance DEbt **FOS COMPO + DEBT CLOSED**


MONTY
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3231 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

If you have received their final response, you need to keep an eye on the time - you have 6 months from the date of their FR to make a complaint to the Ombudsman. IMHO, I would make the complaint now, it looks to me as though you will just be going round in circles with the DCAs.

 

In theory, once a complaint has been lodged with the FOS, the company should back off - so obtain an FOS reference number soon as you can so you can quote it on any further correspondence with DCA.

 

Thank you CitizenB - FOS complaint will be in the post next week

 

My feeling is they will push this to Court asap, certainly before 31.07.2015

Link to post
Share on other sites

  • Replies 178
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I think its about time you followed post 16

 

 

all this waving of arms around about this is in dispute etc etc

really doesn't do anything for you in the long run.

 

 

how much is owing to DLC on this debt

 

 

dx

 

1. Thank you Dx. Understood and I will do as you advise.

 

2. Depends on which DCA you believe! I have not had a statement since August 2012 and that was loaded with penalty charges

Link to post
Share on other sites

which was

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

£24k!!

 

 

they'd have already done court if they could

 

 

something must be seriously wrong with it. !!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

just thought I'd read you full time line again

 

 

you've tied everyone up in knots quite nicely now.

 

 

dunno about the FOS now.

 

 

but ofcourse you could do so mind

 

 

going by their current timescale it will be SB'd by they time they even ack your compliant to them!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

£24k!!

 

 

they'd have already done court if they could

 

 

something must be seriously wrong with it. !!

 

That's where I need your help. What is the hidden piece or have I already got it?

Link to post
Share on other sites

hidden piece?

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

that's the golden bullet

 

 

there must be one

but i'll be darned if I can see it.

 

 

did ever get all the statements out of welcome?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I have not had an annual statement since 2012. I will go through my records but I am sure DLC in one of their letters last year allude to this, saying something like: 'no payments - no requirement for statements' but I think this is wrong and statements are required regardless. Indeed in their letter 18.06.2013, in response to my complaint DLC acknowledge:

 

'...while your complaint is being considered...you may receive statutory notices such as Annual Statements & Notices of Sums in Arrears. There is a legal requirement that we send these to you...'

 

Also, could CPUTR 2008 be a factor?

Link to post
Share on other sites

What is stopping them from going to court? What piece of information?

 

imo because its no longer secured- no house, no charging order,might lose on dn, costs then to pay

 

keep tying them in knots till sb, complaint to fos good start

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

imo because its no longer secured- no house, no charging order,might lose on dn, costs then to pay

 

keep tying them in knots till sb, complaint to fos good start

 

FOS will go out next week. Any advice on wording?

Link to post
Share on other sites

throw in everything your disputing to date, except the faulty dn, keep that to yourself for the time being

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

Monty

 

 

Has there been any update recently?

 

Hi Mike,

 

Just what I have posted. I am going to post the event logs from both WFS and DLC in the next couple of days. Also, I am writing the FOS complaint against DLC's behaviours

Link to post
Share on other sites

Excellent, especially those comments on 14/8/2014 and 30/9/2014,

 

Interesting to see their version of a sample DN

 

Little wonder WFS "can't find" the actual one

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

£24k!!

 

 

they'd have already done court if they could

 

 

something must be seriously wrong with it. !!

 

 

On Form 1 "cash price" why is this blank?

 

 

On form 1 "customer signatures" who placed the same date in both boxes?

 

 

message to admin the pdf's in this post have not bee redacted correctly personal details visible through the ink in "HD" see page 2

If I have been of any help, please click on my star and leave a note to let me know, thank you.

Link to post
Share on other sites

Monty

 

This is important info if you post up PDF's please use "mspaint" to remove your personal information and NOT INK as the data is visible through the ink.

 

You should remove the PDF's and redact them correctly

If I have been of any help, please click on my star and leave a note to let me know, thank you.

Link to post
Share on other sites

which scan where please cant find it?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

On Form 1 "cash price" why is this blank? presume no insurances taken

 

 

On form 1 "customer signatures" who placed the same date in both boxes? joint ac signed at the same time by both the borrowers

 

 

 

nothing wrong with the ag imo, the dn is another matter

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...