DLC are annoying me

[Goldlady]

I haven't posted about this one apart from the odd mentions on other people's threads (Hi DMD:)). CCA request to Barclaycard produced a very basic application form as seen before many times on here. They then proceeded to send me a full set of copy statements, in no particular order, and a set of T&Cs from 2006 - the card is at least 15 years old.

 

I then got a letter from Hillesden telling me that they had now fully complied with my CCA request and that they would be happy to rely on the aforementioned documents in any future proceedings. This was in September. I had previously sent them a letter telling them I did not accept that they had complied and suggested they put it to the test:shock:

 

No more correspondence, well a couple of 'you must ring DLC' letters and pretty pink postcards, but almost every day when I check my messages the DLC robot is telling me I must ring them. OH did get a real person last week when he answered the phone.

 

Just wondered how long it will be before they go away? If anyone has a suitable missive to tell them once and for all to either go for it or get lost I would love to see it.

 

Thanks

 

Goldlady

[Goldlady]

Hillesden refer to 'our client' Barclaycard so presume it still belongs to them.

[Goldlady]

Thanks CB - I have no doubt they will ignore it in the same way that I ignore their threatograms - but then you never know. Watch this space! BTW I am sure Hillesden and DLC are same company but for reasons best known to them they seem to interchange depending on the level of intelligence required for the response:p

[Goldlady]

ACCOUNT IN DISPUTE

Dear Sir or Madam,

 

I must admit that I am rather bemused as to why DLC continue to pursue this alleged debt, as it is in dispute with Barclaycard and has been since 28 June 2007. 12 plus 30 days after my cca request

 

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998.

 

A letter from Hillesden Securities dated xx June 2007 intimated that my complaint would be resolved on within 21 days; this obviously hasn’t happened.

 

As Barclaycard are now in default of my Consumer Credit Act request, I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Now I would respectfully suggest that this account is returned to Barclaycard for resolution of these defaults and breaches, as DLC cannot lawfully pursue any enforcement activities.

 

If DLC chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines.

 

I hope that this will not be necessary and an acceptable solution can be accomplished. I would appreciate your due diligence in this matter.

 

Additionally, in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing, I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded. my robot will record your robot lol

 

I look forward to hearing from you in writing.

[Goldlady]

Oh yes, that's the trouble when you cut and paste!! Thanks CB.

[Goldlady]

Reply from Hillesden in response to my letter to DLC!!

 

'We can confirm that we have complied (with) your request under the Consumer Credit Act 1974 and have supplied you with a copy of your original agreement (application form) and a statement of account, as requested.

 

Please confirm your reasons as to why the account is still in dispute.

 

And the D L C robot has stopped ringing us.

 

So what do I tell them now?

[Goldlady]

Thanks renegotiation - and have a lovely Xmas yourself.

 

OH has spoken to them a few times but his telephone answering manner is enough to put off the most hardened DCA employee. I'll never forget the way he spoke to MBNA on our neighbour's phone - they didn't try that trick again.

[Goldlady]

Have not thought of a suitable reply to their letter asking why the account is still in dispute. Maybe I need to hit the voddie like DMD to come up with some words of wisdom.

 

The DLC robot rang again today. Do they really think that people will ring back when a Dalek has left them a message? Mind you my eight year old son probably would:D

[Goldlady]

CB you are a star - I typed that letter without the keyboard tapping once;)

 

Will get this off to them and see what happens next.

[Goldlady]

Thanks SP - I think it is getting to that stage.

 

I was going to print out the Wikipedia definition of unenforceable and send them that.

[Goldlady]

Newsflash

 

DLC's robot is moonlighting for AIC (Allied International Credit).

 

Either that or she has been headhunted and offered a higher salary:D

[Goldlady]

Ssssh. The robot is sleeping.

 

Have heard nothing for a couple of months now. Last time we got a call from a real person OH told them we would have them for harassment if they called again;)

 

I very much doubt that they have gone away for ever, but you never know....

[Goldlady]

Oh, back into action. Had a letter from JB Debt Recovery now. Apparently I have ignored Hillsden's letters (?) - I thought I had bored them to death with my three page replies telling them what a CCA is:D. So now this lot are on the case.

 

Reply ?

Ignore and File ?

 

They have even invited me to text them and they will call my mobile immediately. Oh yes, I am definitely going to give them my mobile number:eek:

Edited September 26, 2008 by Goldlady
missed a bit

[Goldlady]

haha - i have two lever arch files full of cr*p already - the last thing I need is to get copies of their silly letters:D

 

I guess JB must be the hard guys - I am actually using their scary letter as a mousemat at the moment and I have spilt some wine on it too! Oh, I see they are in Glasgow - so now I need to be really scared:eek:.

[Goldlady]

Ha, then we can all shout at them. I have just sent a letter to the Halifax re a stupid and unjustified charge and signed it as Goldlady LLB (Hons), CAG. Thought it was a good set of letters to put after your name. I wonder if they know what CAG stands for.......