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    • Today , after a lotof years i recieved a letter from this lot. Very friendly, "Were writing to remind you that we havent 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 hadsucessfully gotten deferment on low income. But rarther thansign on as unemployed,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondance ceased from them, circa 2001. To date  I have had no correspondance 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)      
    • But I'm not mixing and matching. Sure, when researching I do check multiple avenues, but when speaking, I will open a single post. The Fb post was made in March, it is now June, time has passed, and when the suggestion was made, no further information was given on how I should progress beyond "send a letter", which has meant that I've needed to start another stream - this one, but only after taking the time to research first.
    • hes not turning you away he is simply saying that you should stick to one channel of advice. he is perfectly happy with that channel being this forum, and he will help you   all he is saying, and I agree, is that you should stick to one help channel, not mix and match 3/4
    • As long as we are clear . Do the reading and post your letter of claim in draft form as requested and we can go from there.    
    • Hold on @BankFodder, that was a bit harsh. I spoke with the EVRi complaints Facebook group to begin with, a user on that group told me to send a letter but didn't give any specifics. Here at CAG, I was looking more for specific help as I've never raised such a claim before, and wanted to be sure that my claim was correct, which is why I've researched information with the other groups too, to be sure; but you seem to have assumed that I've made some form of contact with the other groups, such that I find your comments and tone to be very unfair. And I do know a thing or two about forums, that forum users are unpaid volunteers, I happen to be a Tableau Ambassador, and so perform a very similar role helping others in an unpaid capacity  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hillesden Securities Again !!

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After checking my Noddle report I have a default entry in 2014 from this company


I have had no correspondence at all from them before this date or since


I was in financial trouble a few years ago and



the ONLY debt this can refer to was registered as a default in 2007 by the original lender (who I have had no contact with since 2005 )


As my credit file was marked with a default on this from 2005-2011



can a DCA re-register a delinquient debt they have purchased after this amount of time as a default



presumably on the date they purchased it meaning my credit file is marked again for another 6 years ??

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No, another Default cannot be registered, a default can be registered once and once only.


You can write to Hillesden asking for this Default to be removed as it has been applied incorrectly, if they refuse then you can go to the Information Commissioners Office.


Be warned though that contacting a DCA will more than likely start collection activities, therefore to help with other posters...

What is the debt for?

When did you make a last payment or write an acknowledgement of the debt?

Do you own your own property?


You can also write to the Credit Reference Agencies and place a notice of correction against the default until it is resolved.



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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I have recently had the same issue with these lovely people with both mine and my wife's CRA files


I wrote to them stating the dates the original creditor put the account in default and demanded that they removed all entries relating to the account, after a few 'we're investigating' type letters, they removed it.


Note of caution :just in case, put a heading of "I DO NOT ACKNOWLEDGE ANY DEBT TO YOU OR ANY RELATED THIRD PARTY"


Also when asking for the removal, refer to it as an account, not a debt


Hope that helps

omnia praesumuntur legitime facta donec probetur in contrarium



Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Thanks for the reply

The debt was for an unsecured loan from Welcome finance. £3000 was the default amount which would have been 2007 at the latest (no contact with Welcome or any acknowledgement with a DCA since)



Hillesden have registered the default April 2014

My understanding was that after 6 years (2013 at latest) the debt and default is statute barred and should have dropped off of my file.......

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Six years (five in Scotland) is the limitation period for debts, after which they are Statute barred, correct.


Default markers on your CRF also have a life of six years before they auto drop off your file, never to return, paid or not.


If this is a new entry for the same debt, then they must remove it, first inform the CRA that they are processing inaccurate data and demand it is removed immediately, they more often than not respond with the same lame missive, claiming they have spoken to the DCA and they have told them it is correct and the default will remain.


You can place a 'notice of correction' against the entry to advise that it is incorrect.

Then complain to the ICO who should investigate it, the final option is to bring a defamation claim against the DCA in order they remove the inaccurate data, and AFAIK, damages claim start at four figures, rising considerably if you have been refused employment/credit/mortgage due to the inaccurate reporting on your file.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Thanks for the replies, As Bazooka Boo correctly stated Hillesden rejected my dispute via the CRA so I have now emailed them direct giving 28 days to respond failing which I will go down the ICO route

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