hello i am currently in the process of paying off the last 2 of my 9 debts, in total i owed in excess of 10k, over the past few years i have managed to clear a considerable amount, currently im down to £3200 owed to DLC/hillesden on behalf of a car finance loan from blackhorse. all of my previous debts were paid off in full either as a full payment or payment plan over a set amount of months, the last debt totals £3200, in this case i am wanting to send a letter to offer a settlement figure and need some advice. first of all im not sure whether i would need to send this to the original creditor; black-horse or would i send it to the debt collection agency hillesden/direct legal collections. also i am hoping to offer a reduced offer, any tips/realistic % to offer any help is greatly appreciated and i look forward to hearing from anybody who has similar issues or can help thanks

Has anyone had any dealings with My DLC? I have had i think maybe one or two letters from them in the past taking chasing a payment i owed to Blackhorse.. To my knowledge, none of these letters stated they were now assigned the debt, i set up a payment plan of £10 per week as a standing order to them. Blackhorse has now disappeared off my credit file, and im assuming next month DLC will appear on there, I am going to CCA Request them but has anyone had any dealings with them? The debt is about £4,000 and i have been paying it since early December 2013.. Im guessing they would now legally own the debt as the Blackhorse entry on my file has been deleted completely, but dont they have to send me a formal notice of assignment or something?

Hi, first post so please bear with me. My husband submitted his NDL Cashflow to the HSBC in April this year when he realised he could not meet his commitments, mostly in return he has had letters advising him to get help from a DC and of course the phone calls. The HSBC also denied that he had written to them so he sent them copies of the recorded delivery receipts and complained about the way he had been treated, he did receive a better response to this and an apology and a refund of charges for that month, he also pointed out that he would not deal with this matter on the telephone and would they please deal with it by letter, he also received a letter offering him a reduced full and final settlement which he replied to saying if he had any money he would be making his monthly payments, no reply yet. Frankly this is one of the more baffling elements of being in debt, you do what you think is the right thing and offer what you can and it gets ignored? I cannot see any merit in totally ignoring an offer,they can always say no (in writing of course). I think it is back to the drawing board Rohannah

Hello. I am planning on going to brighthouse on monday anyway but just wondering if anyone on here knows the most likely outcome.. I have been a customer for a while and never had any problems. T he prices I am paying seem quite reasonable to me and if I have had slight problems (sofa came apart a bit) t was sorted pretty much immediately, so glowing report from me so far..which seems to be rare I have a feeling this is going to change though. I have a samsung galaxy s4 from them which I have been paying for for around 8 months or so now. Never missed a payment or anything. I (like many others) was told when getting it that DLC and OSC were essential.. but I dont really have a problem with that despite finding out that they arent. ..my problem is. .today I have lost my phone. Well, I'm not totally sure if I have lost it or it was stolen from my bag but it was there this morning and it was not there this afternoon when I got home. Does the DLC cover this? If it does, will I get a replacement/refund/what? I have been reading about various DLC claims and it seems brighthouse are quite unwilling to pay out on the insurance that they force on people :/

Hi, Today I received a statement of account from dlc the creditors name is Hillesden securities ltd formerly Lloyds tsb the original date of agreement is the 15/06/1995and is fir over £1000. Can someone give me advice on dealing with this matter. Regards Wade.

I am currently trying to get £1,670 repaid from Lloydstsb I have sent the first letter off to them and they have replied stating that it was in my terms and conditions about the charges and that I should consult the OFT if I feel that I have been wrongly done to. I am prepared to go to court if I have a small chance of winning, however I have heard that Lloydstsb are one of the only banks that do not repay charges that they have made. Lloydstsb have currently got me overdrawn by £670 and I am in dire mess through them I have missed a mortgage payment and a secured loan payment I have had my phone and internet turned off and my car insurance cancelled it is a living nightmare, I have been to discuss this with my bank and all they said was to pay the charges and to cancel all the direct debits. But I need things such as my car,internet and phone for my work if I don't have them then I don't have any work and if I don't have any work then I don't have any money I am just going around in circles. Can someone please help......

I have a sofa with BH and I am interested in reclaiming the Osc and DLC that I am currently paying . I know I have to send SAR but what do I do next , send a claim letter requesting refund back? Can someone guide me to all the template letters I will need ..I did my bank charges some long time ago, is it the same way? All I'm seeing on here is people saying send SAR but not what to do next after having received all the info back from head office Thank you

Hi, Got a letter a couple of days ago from these "people" and my heart sunk It's in reference to a CCJ they must of got after I left my last address over 2 years ago. .. at the time they were trying to go for a charging order on my home, but sold it just in time Now they have caught up with me and sent the following letter What should I do? Obviously if they got a CCJ.... what are my options here? Any advice welcome... ps. I no longer own my own home.

Hi, We have an agreement with BH to pay back our debt to them after defaulting due to my husband having to leave work due to a disability. We've always paid the agreed amounts on time, no CCJ or anything, but they've now sold the debt to DLC. The debt is only £250ish now, so I'm hoping if we go about it in the right way we can pay the lot off for a good discount (will have to borrow the money from parents as we're stuck on benefits ). They've said they 'need' a statement of outgoings etc for that, but they can't insist on that without a court order as I understand and I don't plan to give them one single thing or piece of info I'm not obliged to. Can you advise me on the best way to frame things in a letter for a positive outcome? We actually offered BH £200 in settlement just a couple of months ago and they said no, they had to have the lot... now they've presumably accepted a much smaller payment from DLC. Smart bunch really

I've been reading many-a-thread on this wonderful forum about the less-than-wonderful Brighthouse and the infamous DLC. Two points I've seen and I'd like to clarify this as I'm making a claim for ALL my penalty charges, and OSC (see note below). Point from BH - you MUST provide proof of valid home insurance that covers Hire Purchase goods. Point from posters - there is NOTHING in law that says it must be insured. So where do I go, do I go down the mis-selling route as there is nothing required by law to have the items insured (none of the other items from anywhere else I've ever has ever required insuring). Or do I pursue this another way? Let's put this into context. I currently pay (between my partner and I) £63 per WEEK .... so that's a hell of amount due back. Thankfully I'm wise with Brighthouse and don't often pay late, but I'll be claiming those back. On the OSC front - I bought a Washing Machine in 2009, which I've only just paid off, in the first year it had to be repaired (the plug became faulty, I had to ring BH and they arranged for an Hotpoint engineer to fix it). But despite the fact it was in the first year and was a manufactures fault, they will say I've claimed on the OSC. How do I pursue this? BEFORE ANYONE FROM BRIGHTHOUSE REPLIES. PLEASE DO NOT. I WILL ONLY BE DEALING WITH THIS ISSUE THROUGH RECORDED DELIVERY MAIL. Many thanks and looking forward to taking back from Brighthouse my hard earned money (and I'll pursue them to the hilt!!)

Hi, I have received a notice of legal proceedings from Aplins in respect to a Black Horse Loan which is is being managed by Hillesden Securities Ltd/DLC. The letter is dated 5th October and states that if payment has not been received within 14 days a claim will be issued against me. If payment has not been made within 14 days of the claim they will seek a CCJ at the Northampton Court. I have only received this letter today, good old Royal Mail! I would urgently like to seek some advice regarding how to proceed, I have not previously requested any proof of a CCA, is this something I should do now? or something else you can advise? I don't have any previous paperwork available to me as I recently separated from my wife and believe it was disposed of when I moved out. I am really asking for any urgent advice that can be offered please regarding this. Thank you

Hi thanks for taking the time to read and hopefully help. CCJ was issued back in september for a TSB CC which I took out in 2000 and defaulted on in June 2007 and I have not acknowledged the debt at all. its been passed on to the usual dca then nothing for a few years until I had a letter in the post saying do I need help with my CCJ. I went onto my credit file and there it was from Hillsden. I had not paperwork to defend myself in court and in throery the debt should be Staue barred!!! A CCJ was granted which I later had confirmed in the post and to pay they full amount which was now £4064.07 which I cant afford to pay, I have now received a letter to advise that DLC have applied for a charging order through my local court and this is being held on the 14th Jan 2014. I have drafed up the below letter to defend myself as I was never given the opportunity to do so in the first place. can you please give me some poiters so see if its any good as this is all new to me. I want the CCJ set aside and the Charging order dropped. The debt is State barred and they should not of been able to get a CCJ. Ihave spken to the orginal creditor and they still have not sent a copy of my CCA nor did I receive notice of assigment that the debt had been sold to Hillsden. Please any ideas as I am very worried now and I cant attend court as I only work part time and its being held on one of the days I work and I know I cant get the time off. I am a single mom with two young kids trying to keep up with my mortgage which I am already behind on and now I have this to worry about. Thank you for your help copy of letter below Please take note I do not acknowledge any debt to Hillesden Securities or any associated company. I refer to entries made to my credit reference files by Hillesden Securities Ltd., England and Wales Orders & Judgments Hillesden has stated that a County Court Judgment was made in its favour on 11/09/2013, please take careful note I have NOT at anytime received a County Court Claim pack at my present address and I have been resident here for 12 years So I have been unable to defence myself and I am applying to get the CCJ set aside and that the Charging Order dropped as DLC/Hillsden have not followed the correct guidelines. I have now received a letter dated the 15.09.2013 to advise that DLC have applied for an Charging order on my property. I am now aware that Hillsden Securities LTD are aware of my address after receiving the above mentioned letter, but no original court papers so one must conclude that IF the CC claims was made by Hillsden it clearly used an incorrect address, this may or may not have been a deliberate action to obtain a judgement by default but it is easy to conclude this is a possibility. I have been in contact with the original creditor (again I do not acknowledge any debt to them) requesting my original credit agreement from the year 2000 and I am still awaiting these documents from over a month ago. They also advised me that the account defaulted back in June 2007 so this debt would of been Statue bared in June 2013 So how did Hillsden managed to get the CCJ in September 2013. Also no notice of assignment was received from the original creditor or the DCA which again is a legal requirement. I would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.” The last payment of this debt was made over six years ago and no further written acknowledgement or payment has been made since that time. Unless you can provide evidence of payment by myself/us* or written acknowledgement of the debt from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against us to recover the alleged amount claimed, and should you try to proceed with court action I must inform you that I shall vigorously defend this action in court citing Section 5 as part of our defence. The OFT Debt Collection Guidance states that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statue barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”, which again should you try and proceed to court I will also use this as a defence. As you you can see I have not been able to defend myself due to the lack of correspondence from either parties and I only found out a CCJ has ben issued when I was notified on my credit file I therefor require Hillesden Securities Ltd., to produce all the relevant documents regarding this CC Claim, and any other documents connected with the alleged debt within 7 days from the date hereon, until these documents are provided to me no further correspondence will be entered into.

Hi, I did post on here some time ago about this problem with Robinson way but I thought it had been resolved and now I can't find the thread. I'm just abut to write to Robinson way but I need some advice/reassurance before I do so I would be ever so grateful for some! Recap: Got hassled by Robinson way for years (from 2005) until I sought advise and started writing to them and told them I would only deal with them in writing etc etc in about 2010. Asked them to produce my signed credit agreement (2011) to which they replied saying they couldn't, but did send me all the other stuff requested in the SAR, everything they had. In their letter they wrote "....we have been unable to obtain a copy of the agreement from the original creditor. Whilst this means that credit debt may unenforceable through court, it does not mean that the debt does not exist or that we are not entitled to pursue you for the amount outstanding." This letter was dated 20/4/11 and 4 days later I received a 'doorstep visit' but I told the guy to get lost and that I would only correspond in writing. Immediately I wrote to Rob Way and said the following: Please be advised that I will onlycommunicate with you in writing. I have noted your repeated attempts to contactme by telephone over the past year. Furthermore, I received a “doorstep call” at 19.05 on 24thMarch 2011 - please be advised thatunder OFT rules, you can only visit meat my home if you make an appointment and I have no wish to make such anappointment with you. There is only an implied license under English Common Law for people to be ableto visit me on my property without express permission; the postman and peopleasking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB384. per Lord Evershed M.R.). Therefore take note that I revoke license underCommon Law for you, or your representatives to visit me at my property and, ifyou do so, you will be liable to damages for a tort of trespass and action willbe taken, including but not limited to, police attendance. I have written to you twice requesting a truesigned copy of the Credit Agreement associated with the above account alsostating that statutory notice was given on 24th March 2010 underSection 10 of the Data Protection Act to cease processing any data in relationto this account with immediate effect. This means you must remove allinformation regarding this account from your own internal records and from myrecords with the credit reference agencies. Should you refuse to comply, youmust within 21 days provide me with a detailed breakdown of your reasoningbehind continuing to process my data, as you will see in the enclosed copies ofmy original letters. I also never a receiveda response detailing your continued processing of my data. I have, however, received several letters ofdemands for payment since the timescale for your compliance had elapsed on 14thApril 2010. I am familiar with the ‘Office of FairTrading Debt Collection Guidance’ which states that it is unfair to senddemands for payment to an individual when the account is in dispute. I have also written to GE Money for a SubjectAccess Request, for which they have 40 days to comply, a copy of which is alsoenclosed. I would also point out that the OFT say under the Guidance that it is unfair topursue third parties for payment when they are not liable. In not ceasingcollection activity whilst investigating a reasonably queried or disputed debtyou are using deceptive/and or unfair methods. You have 7 days to acknowledge your fullunderstanding of this letter. Otherwise I will have no option but to advise the OFT of your actions. This is the last piece of correspondence I can find that I wrote to them, and I have nothing else from them while I was at that address. I moved house in February 2012 and had heard nothing. On 21/10/13 they wrote to me at my new address asking if I was the same person as they were writing to at my old address. Knowing full well that this debt is over 7 years old and thought had been dealt with I put the letter to one side but was still thinking about it. Another letter arrived dated 7/11/13 saying "we are authorised to negotiate payment of the account with you. If you fail to pay it may mean blah blah but they have said their local doorstep collection agent may visit to agree a payment plan" Admittedly I have received much nastier letters from Rob way in the past but this seems to be opening up an old can of worms and my biggest fear is that someone will show up at the door when my partner is in - he will go mental if he thinks I've got debt collectors chasing me. I'm pretty sure (unless the law has changed) that they are just trying their luck but I need to make sure no one comes snooping around here. Luckily the last time he was out when the guy showed up but I was pretty shaken up for a couple of days, until I spoke to someone on here. There is a note at the foot of the letter saying that Rob way has been acquired by the Hoist Group - are they just going through their losses before they change hands? Any help with the letter I am about to write would be much appreciated! Thanks very much!!!

MBNA have confirmed to me that they only have page 1 of my application form from 1993. They have nothing else relating to my application. They quote the Carey case and say that not having all the paperwork is not an issue and that I must continue to pay. I do not want a bad mark on my file but surely I can reclaim all the charges and interest and ask them to stop all interest and charges from this point on? What is my best course of action? thank you.

I had lots of debts that led to a messy divorce. I am now trying to rebuild my life. A Liverpool Victoria Loan of circa 7k has dropped off my file a while ago and is being paid in an arrangement to DLC for £60 PCM. In the past they would have accepted a £3k settlement, but couldnt raise the funds. Do i still need to pay the contributions is my question?[ATTACH=CONFIG]47285[/ATTACH][ATTACH=CONFIG]47285[/ATTACH]

Hi all, It's 2PM in the Morning and I am wondering what to do next, any advice would be REALLY APPRECIATED. I have just received a claim form from Northampton (CCBC) dated 18th September 2013 Claimant: Hillesden Securities Sending address: Alpins Banbury The claimants claim is in respect of a credit facility 4******* provided by capital one (europe) Plc at the defendant's request on 4/11/2004. Failure to meet requests for payment resulted in the account being defaulted. On 11/12/2009 all legal and beneficial interests for the monies were assigned to Hillesden Securities LTD. The defendant was duly notified in writing of the assignment that a balance of £3170.20 was due. The balance of £3085.20 remains owing from the defendant. Amount claimed 3085.20 Court fee 85.00 Solicitors costs 80.00 Total amount 3250.20 *** I also received a Notice of default sums from DLC Hillesden's on 18th Sept 2013 *** Stating: 18/09/2013 Litigation costs (debtor) Total amount due £80 I was hoping for news of some money that I am owed to sort this lot above out but it has not materialised yet. Note: I have been paying regular £1 and £2 token payments and previously received a letter from Hillesden's back in June 2011 with a 50% settlement offer that I filed at approx. £1500 but could not afford it at the time due to financial problems created by a solicitors error with a property sale in another matter. So........ I have just called Alpins to see if the £1500 settlement could still be accepted to avoid a CCJ as a family member has offered to loan me the money, I offered £1000 waiting for a counter offer from them and willing to pay the previously offered £1500, they told me settlement would be £2900 now,far too much to ask my relative for, What do I do no ?, they are no doubt looking for a CCJ with a holding order to be placed on our home that I have a interest only mortgage on and have 5 months arrears, things have been getting better and paid regular mortgage payments for the last year, I am waiting for a pay out from a commercial property solicitors error that originally put me in this debt but have struggled paying solicitors to sort it out. Please Help, The papers served on me are dated 18th September. Me and my wife were planning on setting up a small business soon when some money matures, would the CCJ affect this? Every solicitor I have dealt with in the past 5 years have had me over, even the ones that I have paid to do a job on my behalf.

Hello I defaulted on a lloyds TSB credit card back in 2008 which I have had a paid off regular since 2000. long story cut short but couldn't afford to pay this due to myself splitting from my partner buying his half of the house so I could keep a roof over my kids heads. Hillsden have now put a CCJ on my credit file and ive not been notified just a card to say they where nothing else. What do I do now and what will they do? Its for £4k. I cant afford anything else with my mortgage and two kids. Any help would be appreciated as im not sure what I should do as ive not acknowledged this debt for 6 years. Many thanks

Hi me and my partner have an account with brighthouse but i have been looking on here about the osc and dlc i now understand we dont need the osc but do we really need the dlc and if not how can i stop it ?

HELLO ALL, TWO OF MY DEBTS (FROM CITI AND EGG) WERE BOUGHT BY DLC. I TOOK ADVANTAGE OF THEIR 90% DISCOUNT ON CITI DEBT AND SETTLED ACCORDINGLY. WHILE THE EGG ONE IS STILL UNDUE, THEY MADE ME AN OFFER OF 75% ON EGG BUT I DO NOT HAVE THAT MONEY SO I AM STILL PAYING THEM £1 PER MONTH. I STARTED DEFAULTING ON THEM IN 2006. I AM NOT SURE WHETHER I ASKED for a CCA file or not but all of their correspondence mention the original creditor name. So far I have been advised by DX to send them a CRA file. Which I shall do as soon as my printer is fixed. A new development is that none of these appear on my Equifax credit file any more. Do they still have enforcement powers as I have been paying them a statutory payment for each account. They have offered discounts in the past. What should I be doing meanwhile, apart from the CCA file? And while I am asking for CCA file, should I keep paying? Thanking you in anticipation. P.S: BTW ARE DLC, ROBINSONWAY, BRYAN CARTER, LOWELL SUBSIDIARIES OF THE SAME COMPANY? ARE THEY CLOSELY CONNECTED ANYWAY?

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!!!

Hi all, We are being chased for a debt of around £6k, originally from a Virgin Money/MBNA credit card. Last payments/acknowledgement of debt were around July 2011. Aplins successfully put a charge on our property for the amount owing earlier this year, and they then sent a nice (for them) letter saying they wouldn't be enforcing a sale, and things went quiet for a while. However they've now sent a letter saying: " We are about to issue a Warrant of Execution against you. This will incur additional fees and costs which will be added to the amount you already owe. Unless you pay the amount of the Warrant the Court Bailiff will call at your address with a view to taking an inventory and levying on goods belonging to you." They then tell me to contact dlc to make payment or come to an arrangement. As they're pretty much guaranteed the money on sale of the house, I think this a strong course of action, and I am tempted to believe this is an idle threat, unless anyone tells me otherwise. Surely I could just point to the charging order and say I can't afford to make a payment? When the court documents came through re: the charging order I didn't contest or respond to them as I'd assumed (perhaps wrongly, it appears from reading these forums) that Aplins etc would have all their paperwork, CCA's etc in order before they took it to court. Also, I have not CCAd DLC as yet - is it too late to do this now the charging order is already in place? Any advice gratefully received as to the next course of action, we were going to write to them and offer to start making token payments, but a good afternoon on these forums has given me more stomach for a fight, and I'm now tempted to wait and see what they do next. Thanks in advance

Hi Guys, Went into Brighthouse today and managed to get myself a lovely TV being delivered next Wednesday Sure the price is a little high, it seems like a brilliant birthday present though However, Am i right in assuming the products listed in the Title are optional and i have a right to cancel them ? While it being a Hire Purchase Agreement, I'm sure that there is something about me not having to have these products and i've scanned the T & Cs thoroughly... Also if i pay it off early, what would i potentially save?

I received 2 letters this morning, one from a solicitor stating to contact their client Hillesdon Securities and lower in the letter is gives DLC contact details, the letter did not say anything about the original debt or where it came from. The other letter is an annual statement from DLC , gives the original company name and date of original loan which was in 2002. I did have a loan with this company but thought it was all settled, I haven't made any payment s to them or an agent for years. If I remember correctly I was commencing to claim the charges back from the company back before the court sided with the banks. I spoke to a firm of solicitors at the time that represented the loan company and then everything went quiet. It was verbally agreed that I would not claim the charges and they would not seek the balance. Nothing in writing Im afraid. Am I obliged to pay this old debt? Is there a window of time from last payment made by me that would void the balance?

Hi everyone, I think I started this subject on here first but I cant find it and Ive had some advice already on another forum but I was wondering if anyone has anything further to add to what Ive already got planned, just looking into what DLC are upto really, thanks in advance. Ive been contacted by dlc with regards to an existing ccj that I am paying to Blackhorse, they keep asking me to to switch over my s/o details to theirs but as Ive received no NOA to date from Blackhorse Ive just ignored them, anyway today they've sent me a letter saying: "We are very surprised that you have not made payment in accordance with the arrangement we recently agreed, particularly as you are aware of the fact that additional costs will substantially increase the debt if an application is made for enforcement. In order to try to help you avoid further expense we will hold action for 7 days. We must stress however that if the promised payment is not received within that time we really will not be able to hold up matters any longer. Firstly I have never made any contact or replied WHAT SO EVER to the correspondance sent out by these people let alone set up any form of arrangement with them and secondly I pay this ccj to BH every month by s/o as per the court ruling at twice the value set by the court, so everything else aside theyre lying in the first instance. I have scribbled a letter to send to them saying received no NOA, have no idea who your company are and what you have to do with me, that my monthly payments go out by s/o every month and I never miss, and that Ive noticed that the outstanding balance doesnt look right. I would of thought they would have to formally prove who they are with regards to a ccj by sending me a NOA from the original creditor as they could be anyone. So I m looking for some advice to enable me to write them a snotty reply stating if the ccj is now theirs and they have bought it that they will have to pass on the relevant paperwork to me before I go any further. Any advice is appreciated. Cheers Dave

Been having a letter ping pong by email with these people over a debt i do not recognize. Last contact was by email, 12 Months ago. Received two letters today from DLC and MDB. One addressed to the occupier. I know they are the same company. It seems they have been nosing at my credit file as all previous correspondents have been by email. Just sent them a letter stating i do not recognize this debt, if you demand again i will report to the OFT AND ICO. I stated to avoid any further correspondents for them to send proof of the debt or issue an N1 claim form for which a defence and counter claim will be submitted