Contact DLC and request they remove your telephone number. Then request they note on your account that you have made this request. Ask them to confirm this has been done. Should they challenge this, refuse to discuss this with them. They are obliged to remove your telephone number at your request. They are not allowed to state legal action will be taken... this can be taken as a threat. The correct term they should be using would be "legal action MAY be taken". If your account is in dispute they shouldnt add on interest. It is up to you to pick a fight with DLC now and not allow them to bully you. As they are now legal owners write into them requesting a copy of your original agreement under CCA with a £1 payment. Request that they provide you with a copy of the sale agreement detailing any legal rights they have. Any problems let me know !

Form - N245 = Application for suspension of a warrant and or variation of an instalment order.... (This can only be used post CCJ). I just have a few questions for you... In your original post you state the following: - "letter from dlc stating i owed them over £3500. i found this web site and started to take the good advice i was given and heard nothing from them until yesterday. my wife in her panic phoned them up and came to an aggreement to pay them £10 a week" Is this debt solely in your name ? Ifso, did your wife discuss this account with an agent of DLC ? Have you or did you provide authority for DLC to disclose information ? Did you wife just advise of matters and then create an instalment arrangement ? How long ago did you issue your CCA request and did you enclose payment of £1 ?

Tom Should you receive a visit from a field agent - dont worry. They do not have any powers of enforcement. Only court bailifs are able to enforce payment and for that to happen you first have to have a CCJ. Even in the event of a CCJ being given against you when Bailifs are involved you simply contact the court and complete form N245 which will grant a new order which may work in your favour payment wise. Any further info required, let me know!

Is this a bought debt ? The client willl be Hillesden Securities Limited and the agents are DLC acting on their behalf. Either way, write back and state you dispute this balance. Request a copy of any deed of assignment, a copy of your agreement under Consumer Credit Act (ask me further questions if not sure). Have you considered making a claim for default bank charges applied to your account ? There is currently a test case which means the banks are no longer paying out. However, this should give notice of your intention to Aplins who may decide against selecting your account for suing as excessive default charges are not enforceable in the county court. Let me know if you require further information / advice ...

Worst case scenarios:- Should anyone arrive from DLC they are likely to be field agents. Do not worry they have no powers in relation to enforcement. They are just likely to try and deal with you face to face rather than on the phone. Should DLC apply for a CCJ then they could apply for a Warrent of Execution which could result in a bailif visit. Even then, to deal with this contact the court and apply for form N245. If you are unemployed this is free and if you are employed the cost of this form was about £30. This figure may of increased since I was working in Litigation with Horwich Farrelly Solicitors about 2 years ago.

I am just after some advice if anyone can help ? A long story cut short: - I had an account with Barclays Bank which I defaulted on and in turn my account was sold to Hillesden Securities Limited. The account balance at that time was £1,608DR. In February I claimed back excessive charges from Barclays Bank via the Financial Ombudsman and received a full refund of charges. I was awarded £1260. I therefore believe my liability to be £348 to Barclays Bank plc (now Hillesden Securities Limited). I do realise that it may have been in my best interests to of paid the amount refunded from Barclays direct to Hillesden Securities, but, obviously I don’t want to without a fight. I have disputed the claim Hillesden Securities have against. I have advised Hillesden of my refund and advised them I will settle in full and final without any liability in the sum of £348. (This being the original balance less the refund). This has not been accepted and I am currently in a position where neither side is moving forward. As far as the paperwork behind the claim for Hillesden Securities is concerned they have a record of £1608 being outstanding. Obviously this includes £1260 worth of default charges etc which Barclays later refunded to me… Interestingly, I believe Hillesden Securities may of purchased my account for an estimated sum of £350 (The actual amount viewed by me as debt)… I have requested and paid for a copy agreement which has not been received. An offence has now been committed. I also did not provide permission for the agents of Hilleden (DLC) to view my bank statements – is this a concern due to Data Protection? I believe the terms and conditions of sale will detail if DLC have authority to view my personal statement ? However, my credit file still reflects £1608 as a bad debt and I am now currently working on having this updated to reflect £348 at the very most. I do not believe the claim Hillesden Securities has against me to be valid – what is your opinion on this ?? I wonder if the Vendor is liable to Hillesden Securities ? How do I move forward in aid of having my credit file amended bearing in mind the above ??

I am just after some advice if anyone can help ? A long story cut short: - I had an account with Barclays Bank which I defaulted on and in turn my account was sold to Hillesden Securities Limited. The account balance at that time was £1,608DR. In February I claimed back excessive charges from Barclays Bank via the Financial Ombudsman and received a full refund of charges. I was awarded £1260. I therefore believe my liability to be £348 to Barclays Bank plc (now Hillesden Securities Limited). I do realise that it may have been in my best interests to of paid the amount refunded from Barclays direct to Hillesden Securities, but, obviously I don’t want to without a fight. I have disputed the claim Hillesden Securities have against. I have advised Hillesden of my refund and advised them I will settle in full and final without any liability in the sum of £348. (This being the original balance less the refund). This has not been accepted and I am currently in a position where neither side is moving forward. As far as the paperwork behind the claim for Hillesden Securities is concerned they have a record of £1608 being outstanding. Obviously this includes £1260 worth of default charges etc which Barclays later refunded to me… Interestingly, I believe Hillesden Securities may of purchased my account for an estimated sum of £350 (The actual amount viewed by me as debt)… I have requested and paid for a copy agreement which has not been received. An offence has now been committed. I also did not provide permission for the agents of Hilleden (DLC) to view my bank statements – is this a concern due to Data Protection? I believe the terms and conditions of sale will detail if DLC have authority to view my personal statement ? However, my credit file still reflects £1608 as a bad debt and I am now currently working on having this updated to reflect £348 at the very most. I do not believe the claim Hillesden Securities has against me to be valid – what is your opinion on this ?? I wonder if the Vendor is liable to Hillesden Securities ? How do I move forward in aid of having my credit file amended bearing in mind the above ??

I am just after some advice if anyone can help ? A long story cut short: - I had an account with Barclays Bank which I defaulted on and in turn my account was sold to Hillesden Securities Limited. The account balance at that time was £1,608DR. In February I claimed back excessive charges from Barclays Bank via the Financial Ombudsman and received a full refund of charges. I was awarded £1260. I therefore believe my liability to be £348 to Barclays Bank plc (now Hillesden Securities Limited). I do realise that it may have been in my best interests to of paid the amount refunded from Barclays direct to Hillesden Securities, but, obviously I don’t want to without a fight. I have disputed the claim Hillesden Securities have against. I have advised Hillesden of my refund and advised them I will settle in full and final without any liability in the sum of £348. (This being the original balance less the refund). This has not been accepted and I am currently in a position where neither side is moving forward. As far as the paperwork behind the claim for Hillesden Securities is concerned they have a record of £1608 being outstanding. Obviously this includes £1260 worth of default charges etc which Barclays later refunded to me… Interestingly, I believe Hillesden Securities may of purchased my account for an estimated sum of £350 (The actual amount viewed by me as debt)… I have requested and paid for a copy agreement which has not been received. An offence has now been committed. I also did not provide permission for the agents of Hilleden (DLC) to view my bank statements – is this a concern due to Data Protection? I believe the terms and conditions of sale will detail if DLC have authority to view my personal statement ? However, my credit file still reflects £1608 as a bad debt and I am now currently working on having this updated to reflect £348 at the very most. I do not believe the claim Hillesden Securities has against me to be valid – what is your opinion on this ?? I wonder if the Vendor is liable to Hillesden Securities ? How do I move forward in aid of having my credit file amended bearing in mind the above ??

I am just after some advice if anyone can help ? A long story cut short: - I had an account with Barclays Bank which I defaulted on and in turn my account was sold to Hillesden Securities Limited. The account balance at that time was £1,608DR. In February I claimed back excessive charges from Barclays Bank via the Financial Ombudsman and received a full refund of charges. I was awarded £1260. I therefore believe my liability to be £348 to Barclays Bank plc (now Hillesden Securities Limited). I do realise that it may have been in my best interests to of paid the amount refunded from Barclays direct to Hillesden Securities, but, obviously I don’t want to without a fight. I have disputed the claim Hillesden Securities have against. I have advised Hillesden of my refund and advised them I will settle in full and final without any liability in the sum of £348. (This being the original balance less the refund). This has not been accepted and I am currently in a position where neither side is moving forward. As far as the paperwork behind the claim for Hillesden Securities is concerned they have a record of £1608 being outstanding. Obviously this includes £1260 worth of default charges etc which Barclays later refunded to me… Interestingly, I believe Hillesden Securities may of purchased my account for an estimated sum of £350 (The actual amount viewed by me as debt)… I have requested and paid for a copy agreement which has not been received. An offence has now been committed. I also did not provide permission for the agents of Hilleden (DLC) to view my bank statements – is this a concern due to Data Protection? I believe the terms and conditions of sale will detail if DLC have authority to view my personal statement ? However, my credit file still reflects £1608 as a bad debt and I am now currently working on having this updated to reflect £348 at the very most. I do not believe the claim Hillesden Securities has against me to be valid – what is your opinion on this ?? I wonder if the Vendor is liable to Hillesden Securities ? How do I move forward in aid of having my credit file amended bearing in mind the above ??