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DLC Letter - Client Hillesden Securities Ltd formerly Egg Banking


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Today, received a letter from DLC stating


"we have made numerous attempts to contact you to agree a repayment program for this outstanding debt to no avail.

Your account is now being transferred to our Debt Surveillance Programme where regular reviews into your financial circumstances will be conducted to assess your suitability for litigation action"


We will continue to report your default to the credit reference agencies and may periodically instruct field agents to visit your property to assess your ability to pay"


Is it an empty threat? Did anyone else get this letter?

The history on this is:


1) it has been on my credit file already but dropped off as it served its six years

2) I cca'd and they have sent me some but not full paperwork and

3) the account I have told them but have ignored more recent letter, that this account is in dispute. I waited for 3 years for CCA paperwork to come and what they have sent is incomplete.


I really don't want to keep on writing to them with the same information and them ignoring it and sending more threatograms.


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Hi Twinkle,

DLC think they are a law, just ignore.

If DLC have added on another default, you need to contact the credit reference agencies and have this removed, you cannot be defaulted twice and the default must be registered within 6 months of the agreement going into default.


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!


If I have helped you, click on the star & say thank you

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This letter is getting more common in the last few weeks it would appear. Several have been reported, and had one myself.

Every journey begins with a single step :):)


Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.


If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


The only person entitled to your Personal Finance details is a Judge not a DCA


Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Twinkle,..to date have not had the pleasure of DLC,they seem about as clued up as most other DCAs,as they have supplied nothing, IN DISPUTE, is the way forward,got to get them to understand that first


good luck FS

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