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    • Quick update, 1) Zopa, via email, has offered to consider a discount (quoted below) “Please contact us urgently so we can talk about setting up a manageable repayment plan. If you are able to raise some funds, we may be able to offer you a discount to settle your outstanding balance at a reduced rate.” Does that imply that they think the debt may be unenforceable or just them cutting their losses? I’ve not responded. 2) I sent the letter to respond to the letter of claim eventually 17th Nov, as per the information templates, and the postal order. I sent it Royal Mail signed for, I checked the tracking today, and it still says “accepted at post office”. So not arrived, or more likely not signed for? I’ve kept copies and photos of the letter.  not sure if this is a tactic of theirs or just genuinely tracking issue/lost? thanks guys!   
    • Hi,  Update: the breeder has now had a solicitors letter sent to me refusing to accept judgement based on a faulty service ( claiming the name was spelt wrong etc), so no PoC has been received so I must stop the judgement or pay her costs in court as she now seeks an urgent order based on incorrect service.   I explained she confirmed their details twice upon being asked where she wanted docs to go and that she refused delivery at her home address of the action coming so she’s obstructed service herself.   lesley 
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DLC for Hillesden Security


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Hi,

Today I received a statement of account from dlc the creditors name is Hillesden securities ltd formerly Lloyds tsb the original date of agreement is the 15/06/1995and

is fir over £1000. Can someone give me advice on dealing with this matter.

 

 

Regards

 

 

Wade.

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Hi can you please give more info for these debts,

 

Have you any paperwork

 

If you give the full story the advice you will receive will be better

 

Also you may want to just wait till they contact you with better details themselves.

 

Do not call them, and do not acknowledge the debt

 

Have you made any admission to this alleged debt in 6 years or more, if it was defaulted years ago it may be statute barred so you may fall for their tricks and make a payment DONT wait for further advice ok

 

Since the debt was pre 2007 they must have a SIGNED credit agreement if not it becomes unenforceable in Court

 

You can spend £1-00 for a CCA request (credit agreement) here http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974 they MUST send you a true copy of it within 12+2 days

 

You need to adjust the details for you but NEVER EVER sign it send it off to your OC (original Creditor) get prove of postage and keep this safe.

 

Once you get a reply come back to your thread and up date us please

 

Basic rule to follow never ring them unless you can record to call

Never go through the security questions.

Never admit the debt

They will threat you with a visit, but you have a right not to have them visit you

 

A template letter for that ids here

http://www.consumeractiongroup.co.uk/forum/showthread.php?387366-Harassment-amp-Threat-of-Doorstep-Visit-(update-21.04.2014)

 

 

Rather than flood you with info we will wait for you to update the thread

 

 

MM

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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When was it taken out if it is a credit card debt

 

 

Have you any paperwork

 

 

If you give the full story the advice you will receive will be better

 

 

Also you may want to just wait till they contact you with better details themselves.

 

 

Do not call them, and do not acknowledge the debt

 

 

Have you made any admission to this alleged debt in 6 years or more, if it was defaulted years ago it may be statute barred so you may fall for their tricks and make a payment DONT wait for further advice ok

 

 

MM

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If not you can sent this letter to the original creditor and the DCA (debt collection agent) that letter is here

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Letter-to-be-sent-when-debt-is-Statute-Barred-(update-21.04.2014)

 

 

You may have penalty charges to reclaim like for over-limit fees these may be reclaimed and reduce your debt, so you may want to send a SAR )Subject Access Request) this costs you £10.00 and gets sent to the bank you was with, they must send you all the information within 40 days of receipt that letter can be found here this template letter does not show at present

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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is this the one you have the claimform on?

 

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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