DLC and Hillesden Securities.. HELP!!!!

[mackembulldog]

Okay same company. And Ive got to the bottom of things now and really need some help on where to go from here.

 

Had a credit with 'x' company with a credit limit of say 2500. Ex wife ran up the debt on this card and was unable to pay for it and I was lumbered with it.

Okay. DLC take on the debt and the figure they have including whatever company 'x' has whacked on top is now nearly £1000 above the original credit limit of the card.

At the time and after an original letter from DLC to pay the debt in 2005, this company started taking different figures from my bank (yes I gave them my card details!!!!) I must point out at this point in time I was in a bit of mess going through divorce etc and was essentially just trying to keep my head above water and was making payments above my means at the time as I had been threatened with this that and the other.

In total Ive paid around 800 pounds to these people and payments only stopped late in 2006 after I lost my job.

At this point Ruthbridge get involved trying to claim the debt on behalf of DLC (and the point I first came on here). After my CCA things went quiet and as Ive explained in a previous post, another firm tried ringing me with the usual threats and standard nastiness.

Now it looks like this is now back with Hillesden/DLC.

Id like some help in where I stand now and whether the original request for payment in full of a debt which was 1000 pounds over the original default is legal. According to my figures of what they suggested was the original debt and what Ive paid, its still 200 pounds out (extra).

What am I to do? The debt I would assume would be for the original amount of the card limit (given illegal charges mentioned on here). I dont even think it was at its limit when the default was initiated by company 'x'

Sorry this has been a long post but feel I needed to get the points and the history across before I start doing the complete wrong thing (again!!).

Not only do I feel that I shouldnt be responsible for the debt which I never ran up, the debt itself is far far greater than it was originally and thats having paid £800 already!!!

 

Your help as always really appreciated.

[clutchingatstraws]

When was the card new?

 

Have you CCA'd them?

[dpick]

Hi this is not something I have had to deal with I have been lucky in that I have only had to deal with the original creditor. I would say that charges and interest applied to charges have been added to account so you would need to know who had added what to account and get the original agreement. I think you will need to send CCA request and SAR to original creditor, that will allow you to check if other companies have added charges etc. Then proceed from that point.

 

all the best dpick:mad:

[mackembulldog]

When was the card new?

 

Have you CCA'd them?

 

When was the card new???

 

Im not sure what you mean but it was issued in 2000.

 

Ive not heard anything from any company for about 2 months. But just noticed a default on my credit file only recently

[mackembulldog]

Oh I CCA'd Ruthbridge but then this was passed to another company, then passed back to Hillesden. Who Ive heard nothing from since. I didnt CCA Hillesden orginally.

I had a pretty good credit rating until this thing reared its ugly head!!

[clutchingatstraws]

A bit raw but, CCA first to establish if they have the right to collect.

 

Letter N in the templates section

 

It will cost £1

 

If you can't find the template get back.

[mackembulldog]

A bit raw but, CCA first to establish if they have the right to collect.

 

Letter N in the templates section

 

It will cost £1

 

If you can't find the template get back.

 

Cheers. Im assuming I should CCA Hillesden despite having heard nothing in writing or telephone from them for over a year???

[clutchingatstraws]

CCA to the company that registered the default.

 

To see if they can process your data.

[clutchingatstraws]

If your credit rating is not important ( mine is not ) just ignore it.

[Goldlady]

My card debt has followed the same route as yours mackembulldog. I blew Ruthless out of the water with a stunner of a letter and they backed right off and I have have DLC and Hillesden back on the case again. The CCA they sent me was not valid by anyone's standards and I have just last week sent DLC another stunner of a letter I found on here. I have had calls from their robot

- y o u m u s t c a l l D L C a b o u t r e c e n t l e t t e r -

 

but if they think I am ringing a robot back they can think again. Mind you I wouldn't ring them anyway even if they offered me a case of wine.

 

Did Ruthless ever find your CCA by the way?

[mackembulldog]

My card debt has followed the same route as yours mackembulldog. I blew Ruthless out of the water with a stunner of a letter and they backed right off and I have have DLC and Hillesden back on the case again. The CCA they sent me was not valid by anyone's standards and I have just last week sent DLC another stunner of a letter I found on here. I have had calls from their robot

- y o u m u s t c a l l D L C a b o u t r e c e n t l e t t e r -

 

but if they think I am ringing a robot back they can think again. Mind you I wouldn't ring them anyway even if they offered me a case of wine.

 

Did Ruthless ever find your CCA by the way?

 

I dont think Ruthless could find the hole in their arses!! Sorry

I suppose Ill have to wait till I her from Hillesden again and send them the CCA.

[Dazj20]

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 ??