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    • old and new threads merged i though you were going to send the SB letter in 2017? dx  
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    • Today , after a lot of years i received a letter from this lot. Very friendly, "Were writing to remind you that we haven't had any contact from you in a while".  The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved. Yep dead right. In 1992/3 I took out a Student load under duress from DHSS. up to 2000 I had successfully gotten deferment on low income. But rather than sign on as unemployed ,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondence ceased from them, circa 2001. To date I have had no correspondence from Student Loans. I was made redundant in 2009 and reached 65 in 2012 , at which age the loan should have been cancelled. Now , today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats. Do I , as I smell a scam a) ignore it and hope that Erudio will think that this phishing attempt has failed or b) respond with a statute barred letter or c) remind them of legal terms that loan should be cancelled 12 years ago or d) combination of b) +c)      
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Direct Auto Finance/Hillesden Securities


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Hi All

 

Hope you can give me a piece of advice.

 

Took a loan out with Yes Car Credit in Sep 2004

 

made repayments of over £10k over 3 years

 

got into difficulties. Owe £3904 now.

 

DLC did make me an offer in 2009 to close the account for £904.

 

Hillesden Securities are reporting on my credit file default date 03/09/2008

but I believe I received a default notice in Sep 2007 from DAF.

 

Last payment/contact with Direct Auto Finance 08/05/2008

 

Could someone tell me when the debt becomes statute barred and when it will drop off my Credit report.

 

I have the ususal problems with my Yes Car Credit CCA,

deposit put against insurances,

PPI missold,

kept in small room with my small children for 4 hours until I signed etc.

 

but I dont think its worth pursuing any of that now I am nearly free.

 

I just want to check when I will be free.

 

This is the only default on my Credit Record.

 

Thanks

MrsHippo

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the whole account will vanish from your file

on the defaults 6th birthday

 

if/if not this is SB'd will depend on the termination date letter

 

or when they first 'could' have proceeded to court on this.

 

if they sold it, as dlc have it now

 

then I expect they terminated close to sale date

 

just remember theres no DIRECT link

between the date of the DN and the defaulted date on a CRA file.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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2nd

 

I would not be ignoring the chance of PPI/deposit from insurance issues

 

that could easily blow the whole agreement right out the water

 

I assume you've read the relevant ads uk/ukdarren threads by your comments!:-)

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Can I still claim PPI if I still owe them money.

 

I have read some threads re deposit against insurances but I don't think it's the ones your referring to.

 

Don't think there was a letter of termination as they never took the car back it was scrapped by me 2 years ago.

 

I'm not even sure debt has been sold

 

I think DLC and Hillesden are the same company they have the same address

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yes you can matters not you owe them.

 

get an sar off to them.

 

go look at your credit file

 

that will tell you the owner

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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