DLC, almost statute barred.

[starling]

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?

[i hate bailiffs]

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

[BRIGADIER2JCS]

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.

[starling]

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?

[citizenB]

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

[BRIGADIER2JCS]

Agreed, nasty little missive!!

[starling]

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

[BRIGADIER2JCS]

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

[citizenB]

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..

[starling]

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

[starling]

[ATTACH=CONFIG]40050[/ATTACH]

 

 

 

 

Finally got there.

[BRIGADIER2JCS]

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

[starling]

Would this be the place to do that?

http://www.oft.gov.uk/about-the-oft/legal-powers/legal/cca/debt-collection#named3

[BRIGADIER2JCS]

Yes that's the one!

[citizenB]

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

[starling]

OK all done, forwarded as advised.

[dx100uk]

poxy discount letter

 

that money would go directly to their pocket

 

to fund the fleecing of other mugs

 

you found CAG!!

 

 

dx

[sillygirl1]

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...

[PGH7447]

Debt survellience Program

 

They can spy on my debts anytime - idiots