well today is the 30 day deadline when DLC/Hillesden commit an offence and nothing's come through the post... Incidentally, their payment was due on 1st April but as they defaulted I cancelled the Standing Order. Haven't heard anything from them. I suppose that the next step is to report to TS?

Will - have you still not heard from DLC?? You may see from my thread that they've not responded to my CCA and the 30 days are now up...

that's pretty much what i said - the key is acknowledgement I'm not quoting law!! This is just what I have learnt through experience..these are english dates.

sorry didn't make that clear... yes it needs to be acknowledged within the 6 years initially. an example may illustrate things more clearly... incorrect transaction on 1/4/00. this would have to be flagged before 1/4/06 or it's time barred. however, if it's discovered on 1/12/05, then the 6 years begins again...

did we ever find this out??

useful thanks... i've subscribed, so keep us updated!

did tobes ever come back to you with details?

glad I've done the right thing... I suppose the next thing to do is wait until after the supposed pay date and see how they react to not receiving a payment?!

ah I get ya!!! Well I haven't done a F&FS but I'd say a 25% discount seems low!!

statute of limitations is definitely from point of discovery... (limitations act 1980 of the top of my head)

Hi all... to give some background: - DLC have been continously chasing me for a debt they are pursuing for HD - I sent letter on 27th Feb saying don't harrass me or I'll report to TS and OFT - Above letter also contained standard CCA request - Royal Mail indicate that letter was delivered on 28th Feb (12 working day rule therefore was 15th March; 30 days = 7th April) Now, on the 7th March, I received a letter (dated 5/3/07) from Hillesden Securities Ltd which advised the following points: 1. Acknowledges receipt of the £1 payment re: CCA request 2. This account has been assigned to Hillesden Securities T/A Direct Legal & Collections to collect on our clients behalf 3. Your request under the CCA 1974 would normally be made direct to the client that legally owns the account, in this case Egg Banking PLC, however we will put a request in to them on your behalf for the documentation required 4. If we are unable to forward a copy of the original agreement, we will be able to supply a true copy of the document which will comply with s78 of CCA 1974. I will update you in 21 days if there are no developments beforehand. So I guess my questions to you all are - are DLC/Hillesden now in default, or does the above constitute an acceptable response? What exactly do they mean by point 4? What should I do come 7th April if I haven't received a response? A point to note is that I've cancelled my Standing Order to DLC as I assume that they have defaulted... is this the correct thing to do?! Thanks in anticipation guys...

Hi MM.... I'm confused! Why do you want to settle at 30-40% of the debt if you're being offered 20-25%?? I'd snap their hand off at 20%.... eg. 10k debt.... 40% = 4k, 20% = 2k....i know which i'd prefer to pay lol!!

thanks... it's to do with a cca request with dlc, so i'll scout around the other threads concerning that first!

Evening all, first post on here although been reading for a while! quick intro - last feb (06) i challenged hsbc about the unlawful charges on my account totalling £240. They paid up in full after 1 letter and a phone call!! my new challenge is with DLC acting on behalf of Egg... i'll talk about that in a more relevant forum though! Speak soon!