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Black Horse/DLC

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Hi All,


Hoping for a bit of advice. I had a 2 loans with Blach Horse, one retail and one personal. I got into a bit of money bother a while back and missed a few payments. The account was then passed to DLC for collection.

DLC have phoned 3 or 4 times a day constantly leaving messages for me to contact them.

In the mean time I have contacted Black Horse and made arrangements to pay them direct. I spoke to DLC on Thurs to notify them this, to which I had a long argument with the operator, and then all of a sudden I received Notice of Court proceedings from DLC for non paymeny. Surely if Black Horse are happy for me to pay them I do not need to go through DLC.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007



Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07


OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07


T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07



Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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The DCAs specialise in scaring people into making payments, letters using words like Litigation, court action and so on are designed for the aforementioned purpose.


Given that you have come to terms with the Original Creditor, you are correct that the DCA should leave you be.


If you have written acceptance of your repayment arrangement from the bank, the DCA won't be happy as chances are they were collecting on a commission basis. they should be told to sod off, but not by you, this is something you would need the bank to do,


Complain to the bank about the continued collection activities of DLC, make sure that your complaint and any subsequent communications are in writing, speak to no-one on the phone as these conversations cannot be reproduced in court

Hope this helps



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Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves


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