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DLC, almost statute barred.

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Hi, not been here for a while, and not had any calls or trouble for a long time.

 

Today I got a letter from DLC with the heading "Notice of debt surveillance programme"

 

They are asking me to either set up a direct debit for £5 a month or pay £660.14 as a one off payment with the rest of the debt to be written off.

 

The outstanding balance is £2640.56.

If I don't choose an option they are threatening

 

1. Instruction of a field agent,

2.Enquiries into your financial circumstances for up to 6 years

3. Regular checks to confirm your residential address

 

The original debt was a credit card from HBOS.

 

I haven't paid anything to them for almost 6 years.

 

In February next year it will be 6 years.

 

Are they chancing their arm, should I be worried and what should I do?

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What there letter means is if you pay us £5 per month to reset the SB clock

 

OR pay us £600.14 and we will sell on the remainder and SB clock reset

 

field agent have no powers not bailiffs and can do nothing


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Hi, not been here for a while, and not had any calls or trouble for a long time. Today I got a letter from DLC with the heading "Notice of debt surveillance programme" They are asking me to either set up a direct debit for £5 a month or pay £660.14 as a one off payment with the rest of the debt to be written off. The outstanding balance is £2640.56.

If I don't choose an option they are threatening

1. Instruction of a field agent,

2.Enquiries into your financial circumstances for up to 6 years

3. Regular checks to confirm your residential address

 

The original debt was a credit card from HBOS. I haven't paid anything to them for almost 6 years. In February next year it will be 6 years. Are they chancing their arm, should I be worried and what should I do?

 

Never seen such a load of old ''bowlocks'' debt survelilance programme.

 

When exactly was the last payment made on this?

 

First CCA request to DLC if they have a ''time limit'' for your response send the CCA request the day before the time limit expires.

 

Seperate letter to the Compliance Manager at DLC..

 

Ref: as on their letter.

 

Dear sir,

 

I have received your letter dated xx xx xxxx in which you threaten to make me a subject of '' Debt Surveillance'' and make me subject to 'Enquiries in to my financial circumstances for up to 6 years, regular checks into my residential status and and visits from a man in a dirty mac.

 

As I do not acknowledge any debt to DLC the above is arrant nonsence and warrants a report to the OFT regarding your companys conduct in this matter.

 

Under seperate cover I have deapatched a request under sections 77/78 of the Consumer Credit Act 1974 for you to produce a copy of the regulated agreement pertinent to this account, enclosed with this is £1 postal order for the statutory fee, which is not a payment to any alleged debt.

 

Unless this request is complied within the prescibed time limit of 12 + 2 working days the alleged account will be indispute, please not a reconstituted agreement will not be accepted as evidence of liability.

 

Send 1st Class with free proof of posting.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I already have all the statements from the account.

I have had a ppi payment from the account about a year ago btu the debt had already been sold. Has that reset the clock?

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Can you please remove any personal information / barcodes and post the letter up for us to see? If you follow the instructions below, you should have no problems.

 

IMHO, from what you are saying, this letter should be copied to the OFT as it is almost certainly a breach of their guidelines.

 

Dx100 – Instructions on uploading pdfs

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Agreed, nasty little missive!!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I am trying to scan the letter but my scanner is playing up.

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No rush starling, if you can't scan, type it in suitably redacted.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I was going to suggest you email it to me.. but if your scanner is playing up.. you wont be able to:doh:

 

Hopefully it is just a temporary glitch with your scanner..


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I'm going to connect my laptop to the printer. I have a wireless printer and was trying to scan to a memory card.

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[ATTACH=CONFIG]40050[/ATTACH]

 

 

 

 

Finally got there.

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Copy that to debt collection group at the OFT it is an appaling attempt to intimidate, profound breach of OFT Guidance!!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes that's the one!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Sheesh.. !! I cannot believe they would write such a letter !!


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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poxy discount letter

 

that money would go directly to their pocket

 

to fund the fleecing of other mugs

 

you found CAG!!

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I've had the same, asking for £10 a month insisting it will help my credit rating - this alleged debt is statute barred (thank you DLC for sending a statement earlier showing no interest is being collected on it now... shot yourselves in the foot there!),

 

I phoned them (I know I shouldn't but it was worth their lies...that I had 'maintained payment over a particular period' when I knew it was not possible. I asked for the evidence and was told to pay £25 for the statements, I then pointed out that a SAR request was £10 and mine would specifically ask for the information given in the phone call, and the phone call itself. They put the phone down on me then!

 

They seem to have bought a shedload of these almost statute barred debts and are hoping people will cough up - in my case I can't afford £10 a month on a dodgy debt as I am on basic unemployment benefit as my sole income - even £1 a month would be too much for this one.!

 

If you want a copy of the letter I can supply it...

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Debt survellience Program

 

They can spy on my debts anytime - idiots


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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