Here is DLC's response: We refer to your complaint made verbally to our offices on 11 September 2013 and your subsequent emails dated the same and 13 and 14 September 2013. An acknowledgement of your complaint was issued from our offices on 11 September 2013. Complaint details (summary) Our understanding of your complaint is:- · that you believe our client, HMRC, are in breach of the Data Protection Act 1998 as they have passed your telephone number, which is ex directory, to ourselves without your permission, · that you made a request to ourselves to remove your telephone number from our systems and correspond with you in writing only, · that you requested a breakdown of the balance outstanding, · that dlc are in breach of the Data Protection Act 1998 for telephoning you and leaving a message for you to return our call, after you made a request for all contact to be in writing only, · that you are dissatisfied with the response issued by one of our Team Leaders in response to your complaint as you believe this does not address your concerns. · that you have received a letter from us dated 10 September 2013 asking you to contact us when you spoke to us on this day. If our understanding of your complaint is incorrect, please inform us accordingly. Alternatively if there are any points which you feel we have not addressed, please provide specific details of these by return. Our findings Having investigated the claims raised, we can confirm and advise the following:- · Hillesden Securities T/A direct legal & collections are an agency acting on behalf of our client, HMRC. · We were instructed to act in relation to the above account on 14 August 2013. · We are unable to deal with the part of your complaint that relates to actions taken by HMRC. We have referred this part of your complaint on to HMRC who will contact you under separate cover in regards to this once they have investigated the issues raised. · We spoke to yourself on 16 August 2013 where you made a request that we ceased telephone contact with you and all communication was to be in writing. You also requested a full breakdown of the balance outstanding. · Following the above telephone call, your telephone number was removed from our current dialling list and we referred back to our client for a full breakdown of the balance for you. Although your number was removed from our current dialling list, a record of this contact telephone number is still retained within our database to ensure an accurate data record. · We received a telephone call from you on 22 August 2013 as you were unhappy that you had received a letter from us when you had spoken to us the week before. Our agent tried to explain to you that this letter was issued prior to your telephone call on 16 August 2013 and could not be recalled. We apologise for any inconvenience this may have caused. · On 6 September 2013, we received a response from HMRC advising your returns are outstanding for the periods of 2007/08, 2008/09, 2009/10 & 2011/12 and a statement to this effect was sent to you in June. · Our client also advised that you could contact their Self Assessment Helpline on 0300 200 3310 if you required further advice or assistance in regards to this. · On 9 September 2013, one of our agents was tasked to advise you of the response we had received from HMRC. Unfortunately, our agent did not review your account or take note of your request that all communication was to be in writing. Our agent did telephone you on the number you had asked us not to call and she did proceed to leave a message for you to call us back. Please accept our sincere apologies for this and we can assure you that this will be addressed with the agent involved in line with our internal processes. · You returned the above call on 10 September 2013 where your complaint was escalated to one of our Team Leaders. Within this call you advised that we had not been able to resolve your complaint to your satisfaction. As you remained dissatisfied, the Team Leader escalated your complaint to the Compliance Team on 11 September 2013, to conduct a full investigation following our internal complaints procedure. · Whilst your complaint was being escalated to the Compliance Team, the Team Leader prepared and issued a letter of response in an attempt to resolve your complaint. You should now be in receipt of this. · You called our offices on 11 September 2013 asking if a response had been prepared to your complaint; it had, but by which time you would not have received it in the post. An agent read the letter out to you over the phone, where you advised that you remain dissatisfied with the response. · A system automated letter was issued to you on 10 September 2013 asking you to contact us however, this was issued prior to our conversations with you and unfortunately, could not be recalled. Please accept our apologies for any distress or confusion this may have caused. · As your file had already been escalated to our Compliance Team on the same day, no further action or attempts to resolve your complaint were made by our collections department or the Team Leader concerned. · All future communication regarding your complaint will now be addressed by the Compliance Team. Summary Further to the above, your complaint has been upheld. We have certainly fallen short of our usual high standards and we would like to apologise for any distress or inconvenience that has been caused due to this. Further to the above points, we would like to offer you compensation to the value of £50.00. This is as a result of re-instating your telephone number which breaches 3.3k of the Office of Fair Trading Debt Collection Guidelines for ignoring or disregarding reasonable requests in respect of when, where and how we should contact our customer. The above offer of compensation has been awarded in line with the Financial Ombudsman Service scale of awards. We await your acceptance of our offer of compensation by 27 September 2013. Yours sincerely

Good evening This is a long post so please bare with me.... One night in August 2013 I received a call on my EX-DIRECTORY TPS registered phone number from DLC claiming that they had written to me (it transpired they hadnt at this precise point but thats neither here or there). I made it very clear I did not wish to speak to them over the phone and was also somewhat direct with my criticsm of the fact they had called me on my number I am a fraud investigator and deal with some nasty pieces of work locally and nationally and for this reason I am ex-directory. More to the point HMRC have NEVER been given my home number which is a point I made clear to them previously. I asked DLC to explain this and they promised to come back to me. That was several weeks ago so you can imagine my surprise when last week I received a voicemail on the very same number they had agreed NEVER to call on again demanding that I call them urgently before close of business that day. I called them the next day on the basis that I didnt get home to after they closed and gave them a rocket. They initally denied it and then on the basis that I gave them 30 minutes to explain, they called back full of apology stating that due to a training need someone has used the number which was "archived" as I had requested it was removed but kept on file "in case I never replied to their letters". I then, despite of all this, and despite the fact that I wanted any further communication in writing, receive a letter from DLC asking me to call them!!! I have complained and will post their reply below but what I want to know is what can I do next as I am furious. Apparently I owe HMRC from 2007 despite being on PAYE all my working life. Any thoughts on giving these wastes of oxygen what they deserve gratefully received as well as any advice on what to do re HMRC passing on my number which I never gave them in the first place as this makes me very uncomfortable Thanks!!!

I should point out that I did try to bury the police officer but because he was up for a bravery award, he was defended without investigation by his superior officers

I think for me the main sticking point is the Police really as they did nothing to help me and as you say tried to attempt to stop a breach of the peace (I think it is safe to say I was not very happy) - my fiancee triple 9'd the Police to say someone had forced their way in and they said that they were not initally prepared to attend Based on this, can I now put a rocket under the Chief Constable of Dibbleshire Police to have the officer held account

Hi thank you all for your replies I think the total amount was £1300 from emails I have found which has been paid What I am really unhappy about is the fact that the bailiff has forced his way into the property and I did not allow him access - the Police let him carry on and I understand this may be a breach of Article 8 of the Human Rights Act but I am not entirely sure about this Thanks

Hi I am going from memory here I am afraid but it was around £1200 as a guess, the bailiffs charged a lot on top. They appear to have been to all my old addresses (I moved four times in a year). The bailiff was a Polish chap. I cant remember his name and cant find the paperwork.

Good evening This happened around two years ago I must confess and although I stumped up the fees the bailiffs wanted, this has been eating away at me ever since as I feel I have been completely stiched up. Background: I went through a very messy marriage breakup and moved away from down South to East Anglia. My now ex-wife left me in all kinds of crap. Long story short, I then got made redundant from East Anglia and found myself somewhat qucikly back down South whilst going through a severe bout of depression. Anyway, I had a rented flat and I fully admit that I didnt manage to keep on top of things including council tax. Bailiff: One day in October 2010, I had just come home and come through the front door. There was a knock at the door and there was a bailiff and their monkey boy standing next to them. They asked if I was Mr blah blah to which I confirmed I was and the bailiff pushed past me and stood in the hall refusing to leave. My now fiancee was very scared by this and called 999. The Police initially refused to attend until I said that we were concerned for our safety and they then decided to arrive Police: The Police were particularly arrogant and were of the view that there was nothing wrong and claimed I had made threats to them (this is for the record completely untrue but the officer who attended has issues with telling the truth) Debt: The fee from memory was about £1700. We paid this as we had no choice Why am I posting this? I dont understand how a bailiff can walk into someone's house without permission, surely this is trespass? I was never left details of their "totting up" of my valuables which I understand I should be and surely from reading the other posts, should the Police have allowed this to happen as surely as the home owner it is my choice if I let someone into the house? I realise this is some time ago but it is really upsetting me even now and I remain very angry. Rossendales were as you would expect somewhat disinterested and didn't feel anything wrong had occurred although they never provided me a breakdown of fees I would welcome your advice because this really upsets me and I am very down over it all. I realise some of this was my fault and that is fair enough but I certainly have not been treated fairly at all Thanks everyone

N245 form logged yesterday at court SAR request sent to Advantage recorded delivery too Fingers crossed

I don't have any paperwork about the repo It was a messy break up and a lot of paperwork got lost as a result I'm going to apply for the warrant to be suspended today and will do a SAR to Advantage

This is what I know to have happened, this was a very difficult time of my life with the marriage going belly up etc I don't know how they went about repoing the car - they came they took, as I'd had car less than half the agreement time I assumed this was normal Re the office, I mean the office at work when they received the AoE

It was a normal HP with no balloon at the end type The court repo'd the car The AoE I have no idea, was hauled in office and told I don't really know a lot about this All I know is Advantage are very aggressive and this is ruining my life (((

Ok Here goes: Bought car for £7995 approx in 2007 on a 4 year agreement The marriage broke down around 12 mths thereafter and the finance co went straight for repo They then slapped an AoE on me from then until 01/2009 which is when I changed jobs The AoE started again from 6/09 I think and carried on until 8/11 when I stopped working They then tried to take me to court - I advised that I was not in a position to pay. At that point the judge ruled in my favour and allowed liberty to restore. This was around 11/11 Nothing from court or Advantage until 04/12 when the fin co said for £500 we could settle in full As mentioned a response was sent and heard nothing until bang Thursday I was hit with the warrant I really do not know what to do

In response to the above. I received a warrant in the post Thursday morning, no summons, no right to reply etc so I've been caught well and truly between a rock and a hard place Time however is not on my side and their stance is take it up with the court cos we won't reply anymore which is blatantly a breach of the TCF rules although given the mess I'm in this is a mute point

Hello Many years ago, I bought a car on finance through Advantage. This vehicle was for my wife who 12 mths later cleared off and left me with all the debts To cut a long story short the car was repo'd, sold at auction and then Advantage stuck an AoE on me for over 2 1/2 years I was made redundant last August and they were informed, Advantage tried to sue but the court ruled liberty could restore Last mth I received a letter from Advantahe stating if I paid £500 they'd accept it in full and final. Great I thought so responded accepting this and asked for confirmation of how to pay - the now claim never to have received this letter and now I have to pay £1700 to the Court by 30/4 or everything I've ever worked for to buy on my new happy life will be seized by court appointed bailiffs I've tried talking to Advantage including their finance director Beverley Buryon who said she was "too busy to talk to me" so as you can see I'm in deep brown stuff and any practical help gratefully received Thanks in desperation Richard

yup this has been done and the clock is ticking

so the update on this is that the solicitors state that they didnt need to keep me informed and didnt need to tell me anything about the sale which was in their opinion a fair price

I have now received the following response from TLT: Dear Sir, We are in receipt of your email together with the enclosure. As we have previously stated our involvement in the matter of 24 Davits Drive ended when possession was obtained in November of last year. Thereafter the marketing and sale of the property would have been undertaken by the lender without any reference to us. We did not pass on any information to Wragge and Co as we did not know they were instructed in the sale, and there was no obligation on us to find this information out. We only made enquiries to enable us to respond to your request for information as to the status of the sale of the property. We did this purely to assist you, there was no obligation on us to make these further enquiries. By this time it appears that the property had already been sold. We were not under any duty to forward your contact details to Wragge and Co and did not do so, and in any event as they say they were under no obligation to correspond with you regarding the sale. Yours Faithfully I have also received the following response from Wragge and Co: Dear Mr G This is firstly to confirm receipt of your e-mails of 22 and 26 May in this matter. I respond as follows:[/font] Specifically in response to your e-mail of 22 May timed at 15:32, I can only repeat that this firm had not been provided with your contact details Please supply me with the evidence upon which you rely to assert that the sale price was considerably lower than the property's market value. Meanwhile, both this firm and the company are well aware of their obligations to obtain the best price reasonably obtainable in prevailing market conditions ]- I have advised you of the price at which the property was sold, and also the completion date;[/font] There is nothing I can add to what I have already said regarding the personal items that you allege were in the property. In any event, the allegation you make here is directed at TLT rather than this firm and you will therefore appreciate that I cannot comment upon it.[/font] So far as your final paragraph is concerned, I am taking instructions upon your escalation point. Meanwhile, by reference to our exchanges of e-mail to date, I would ask you to clarify what complaint or complaints you wish to make so that these can be properly considered. Finally, you should direct any Data Protection Act Subject Access Request to me in the first instance. [/font] ] [Yours sincerely[/font]

Hi that was a bit of a fail really! I will be sending a subject access request but Wragge and Co dont want to know and I have very nearly come to blows with TLT

ha ha they dont want to know

I have had the attached response from Wragge and Co who sold the property. Tells me nothing at all. What do I do now? I want to enter into battle over this

please any advice gratefully received!

Hi To clarify, the property was repo'd n November 2008 by the balliffs. Since then, despite giving TLT a postal address, email addresses and phone numbers, I have HEARD NOTHING until this week when I was advised the property was sold Help

Hi I need some advice about my situation. To cut a long story short, I was married and it didnt work out, one of the reasons was because we got into some financial grief. Ultimately this culminated in our lender, Future Mortgages, appointing TLT Solicitors to repo the property. I fought this off for three years until November last year when they decided they would repo. Since then, I have heard absolutely nothing from the lender and TLT have not been playing ball until yesterday when I had to make a number of threats and they advised me that Wragge and Co are now dealing and that the house was sold for a £25k shortfall!!!! What I want to know is where do I stand? It was my understanding that the lender/appointed legal rep etc had to keep me informed on what was happening and I have a right to know what they were doing to sell the property and to ensure the best price was obtained? Also, there was a vast amount of property in the house which no one has told me what I can do about. I should point out that at the time of the repo I was living 130 miles away due to work. I want to lock horns with TLT, Future and Wragge and Co, the latter are the only ones who seem to have the ability to respond to correspondence so any help gratefully gratefully received Thanks in advance Regards Richard

Hi I am having exactly the same grief with these clowns only I made the fatal error (I realise now!) of actually calling them when I received the letter asking me to call them. Oops However, I requested CCA and SAR from them and their clients on Friday so clock is now ticking and if they wanna sue, bring it on.

Evening I think Capquest are affilated to Heatons Solicitors. my wife had some dealings with Heatons and then Capquest and eventually a payment was arranged on direct debit every month. This moved along for 3 months and then a letter was received from the original creditor stating that they had the account back and the full amount was owed. We challenged this and they said "they had an excellent relationaship with their clients" therefore didnt believe they would withold payments. They sent the usual 6mths to go to the FOS or accept what we are saying seeya letter. Priceless!