DLC/Hillesden Securities

[Chrissielr]

After receiving some excellent advice on how to deal with Thames Credit I am now back again to ask about this other lovely company.

 

They have written to the OH about an MBNA debt, which again I am fairly sure is out of time (all from around the same period in his life). However, despite my belief no payments have been made since early 2001, there is a default registered in March 2004 showing on his credit record, which I would like to try and remove.

 

My question is about what letters and in which order I should send them. My initial thought is to go with the Statute Barred letter and if they can't prove it's not, then send them a letter requesting a true copy of the default notice. In the event they prove it's not statute barred I would then CCA them and again go for true copy of the default notice.

 

Is this the right way to go about it?

[postggj]

some one will be around shortly

i just had a dca return the debt to the finance company, which is in dispute

the way i did it was to threaten the dca with claiming back ppi and charges direct from the dca, as they stated they own the debt.

once i did this they got rid of the account at rocket speed and removed default

[Chrissielr]

Well done!

 

We'd obviously need a SAR for that, but I don;t want to go down that route if we don't have too. Or just did you go on the assumption there would be charges accrued?

[pt2537]

Well,

 

if there has been no acknowledgement of the debt by either payment or in writing in the last 6 years its statute barred by the Limitation Act 1980 s5

 

i would send em the stat barred letter http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

Letter M from the above link

 

dont sign it, just print your name

 

see what they come back with and take it from there,

 

idf its not stat barred then CCA them

 

Regards

paul

[Chrissielr]

Great, thanks for that. I''l get letter M in the post to them now and see what happens!!