Thanks I'll get one off to them this week. I know you've already said that any PPI can be claimed, but I thought I'd read somewhere that this wasn't possible on defaulted loans. Obviously this isn't the case? Regards

Thanks, might just do that. I've found this one the site which I presume will be suitable for this case? http://www.consumeractiongroup.co.uk/forum/content.php?552-Data-Protection Now, the fact I'm asking for this and I have DLC on my back will it possibly make the situation any worse? Just want to make sure before I open up a whole can of worms. Also, will there be specific department at First Plus to send it to? Regards

Thanks for the reply. I've thought this to be the case ever since the first letter dropped on the door mat. I'll see what they turn up, would be something if there was PPI to claim back. Regards

If First Plus do provide the original agreement and there is PPI against the original loan, is it possible to claim the PPI even on a loan that has defaulted? Thanks & Regards

Hi, So just to update you all on the current status.... This morning I received the following reply from DLC to my 'Failure to Comply' I also received another letter at the same time and dated the same date 17th July advising me that have followed up with the original lender for the documentation and that they'll update me with 21 days if not beforehand. What are my next steps especially with regards to replying regarding my complaint? Thanks & Regards

Many thanks dx100uk. Regards

Hi, Well, since I haven't had any further correspondence from DLC I suppose it's time for me to send off another letter..... 'Failure to comply'? I am correct in thinking this is the next step to take? If so has anyone got a template of one that I can use and any further advice on the next steps to take? Many Thanks & Regards

Hi & Good Morning, So by my calculations tomorrow 8th is the deadline for DLC to respond to my CCA. My question is what do I do next, what are my next steps? Do I wait a couple of days longer to allow for an delay in postal delays? I know that they received and signed for the letter containing the CCA on the 18th June. So 12 + 2 working days gives them to tomorrow. Thoughts & advice much appreciated. Regards

Hi & thanks for the reply. Just to clarify.... Is that 12 + 2 days from the date of their last letter, in this case the 20th? Also, the agreement they claim is dated 2003, so the recon is a no go for them, or is it from the last payment ? Thanks & Regards

Hi, Just thought I'd update people with regards to the latest correspondence from DLC. As advised by other members of the form, I sent DLC the CCA template along with the £1.00 fee and yesterday I received the following reply: - Browsing some other posts regarding DLC, this seems like a normal response from them. However, something that puzzles me... They sate that their client is Hillesden Securities, yet they're contacting the original lender First Plus Financial Group? Does this mean that DLC are claiming to have taken on the debt from Hillesden Securities, i.e. it's now a 2nd/3rd hand debt? ".... supply a reconstituted copy....." A made up copy of the original agreement? Do I now wait the 21 days for them to come back to me with either the original agreement, or their reconstituted one or do I do something in the meantime? Advice & thoughts most greatly welcome. Many Thanks & Regards

Thanks Ell-enn, I'll do as you suggest. Regards

Keep me/us posted, I'll do the same. The template has been completed and I'll get it off to them recorded delivery. Thanks again.

Hi, Many thanks, appreciate it. Any news on your situation? Regards

Good Afternoon, Sorry to jump on another persons post, but I to have been contacted recently by Hillesden Securities Ltd / Direct Legal & Collections reference to an alleged debt from 2003 and am after some advice. The first letter was a 'Annual Statement of Account' which I received 7th May 2013. The Statement Period is for 07/05/2012 to 06/05/2013, although this is the first correspondence from them. Details on the statement are: - Creditor Reference: ############# Creditor name: Hillesden Securities Ltd formerly First Plus Financial Group Telephone number: 0844 335 8372 Account name: Mr ######## ########### Account number: ###### Original date of agreement: dd/mm/2003 Duration of agreement: Original term no longer applicable Amount of credit provided: Balance purchased by Hillesden: £1086.43 Rate of interest applied: Not applicable. Interest is no longer being charged. Statement date: 07 May 2013 Upon opening it I scratched my head as I have no recollection of any known debt that I have, nor have I had any contact from DLC prior to this. I double checked both Equifax & Experian and there is no record of any such debt still being owed, so I put the 'Statement' to one side. Also, carry out a very quick search on the internet, it seems letters of this type aren't that uncommon and they're just chancing their luck. Then I receive a letter dated 10th May 2013, which reads as follows: - Dear Mr dlc Ref: LIT1/########### Client: Hillesden Securities Ltd Balance Outstanding: £1086.43 We write with reference to the above account and note that it has been a while since we had contact with you. May we ask that you contact us as soon as conveniently possible to make an arrangement in respect of the outstanding balance? Please be advised that failure to respond to this letter will result in a further assesment being made of your current financial situation. Yours sincerely Litigation Department direct legal & collections. Rightly or wrongly I didn't contact them, especialy when the date of the letter of only 3 days after my 'Annual Statement' Today I wake to this letter date 5th June 2013: - Dear Mr dlc Ref: LIT1/########### Client: Hillesden Securities Ltd Balance Outstanding: £1086.43 We wrote to you recently regarding the outstanding balance and note that you are yet to respond. We have considered the options available to us in seeking recovery of the balance. In view of your failure to co-operate we see no alternative but to refer the matter to our Solicitors with a view to you being summoned to Court to provide information as to your financial means. This will incur further costs. If you wish to avoid the above course of action you should contact our office on 0844 980 0184 to discuss repayment of the balance. Yours sincerely Litigation Department direct legal & collections. Looking at the actions taken so far by yogz66, and wanting to get this settled and them to 'do one' should my next (first) step send them a CCA Letter? If so, has anyone got a template of such a letter that I could use? Thoughts & advice very much received. Thanks & Regards