Hillesden Securities/ DLC YB OD Charges debt

[tom a]

Recieved a letter this morning from Hillesden Securities thanking me for my recent letter.

They are unable to supply a copy of the original agreement at the moment and if they are unable to do this they will supply a true copy of the document which will comply with section 77 of the consumer credit act 1974.

They also have sent me a copy of the key pages of the sale agreement but are not able to supply a full copy because the information is commercially sensitive, however, they would supply a copy to a judge in court.

They will update me on developments in 21 days.

Where do I go from here?

Thanks in advance.

 

Been receiving the same letter for the last 18 months.

Do I just ignore it or do something else ?

Thanks.

[tom a]

Received this letter this morning from Hillesden Securities.

 

"Dear Mr xxxxxxx

 

Account Number xxxxxx Formerly Hillesden Securities Ltd, then a different account number

 

Further to our previous letter regarding the above account. I can confirm the following:-

 

With reference to your data request under the Consumer Credit Act 1974, we would like to draw your attention to the recent ruling in the case of McGuffick V RBS judgement dated 6 October 2009 in relation to "what is considered enforcement", the judgement stated that the bringing of proceedings is not enforcement. It follows that demanding payment is a step taken prior to the commencement of proceedings and therefore not considered enforcement.

 

Should you want to view the judgement in its entirety, it is easily accessible via the internet.

 

Whilst we may not be able to enforce the agreement until the documentation is provided, the monies remain outstanding. The industry guidance from the Credit Services Association states that the agreement has not been made illegal or void due to the original lenders failure to provide the requested documentation at this time. The underlying obligation to repay remains intact.

 

Inn view of the above ruling the account will be returned to our collections team for collection activity to resume.

 

We will continue to follow up your request for a copy of the required documentation with the original lender. When this becomes available we will forward a copy to you.

 

We will update you on developments in 21 days time if there is no developments beforehand. Should you wish not to receive these updates, please advise us accordingly.

 

Please contact our collections department to discuss the repayment options available to you.

 

Yours sincerely

 

A. E. Locke "

 

I've no idea what this all means. I wish they would put it in plain English.

Any ideas what my next course of action should be ?

thanks in advance.

[tom a]

Received this letter this morning from Hillesden Securities.

 

"Dear Mr xxxxxxx

 

Account Number xxxxxx Formerly Hillesden Securities Ltd, then a different account number

 

Further to our previous letter regarding the above account. I can confirm the following:-

 

With reference to your data request under the Consumer Credit Act 1974, we would like to draw your attention to the recent ruling in the case of McGuffick V RBS judgement dated 6 October 2009 in relation to "what is considered enforcement", the judgement stated that the bringing of proceedings is not enforcement. It follows that demanding payment is a step taken prior to the commencement of proceedings and therefore not considered enforcement.

 

Should you want to view the judgement in its entirety, it is easily accessible via the internet.

 

Whilst we may not be able to enforce the agreement until the documentation is provided, the monies remain outstanding. The industry guidance from the Credit Services Association states that the agreement has not been made illegal or void due to the original lenders failure to provide the requested documentation at this time. The underlying obligation to repay remains intact.

 

Inn view of the above ruling the account will be returned to our collections team for collection activity to resume.

 

We will continue to follow up your request for a copy of the required documentation with the original lender. When this becomes available we will forward a copy to you.

 

We will update you on developments in 21 days time if there is no developments beforehand. Should you wish not to receive these updates, please advise us accordingly.

 

Please contact our collections department to discuss the repayment options available to you.

 

Yours sincerely

 

A. E. Locke "

 

I've no idea what this all means. I wish they would put it in plain English.

Any ideas what my next course of action should be ?

thanks in advance.

[tom a]

Duplicate post

[Lapchien66]

Muppets - they've said that they can't enforce the agreement, yet they will try to collect it!

 

Follow their advice and tell them not to send you any updates...

[veryweary]

Seems DLC/hillesden have sent this letter out en masse to all the people with accounts in dispute where they can't find the paperwork. They're obviously getting desperate for funds and are willing to beg.

 

 

File their letter in the drawer with the large pile of monthly repeat letters they'll have sent you saying they unfortunately still can't find your agreement.

 

If you want to use a stamp send a complaint to the OFT about them requesting payment on an account which is in dispute due to their failure to find any agreement. Then forget about it.

[GirlAloud]

Had same letter after a CCA request outstanding for 6 months and to be honest don't even have any proof they own the debt. They have kindly taken the time to register a default on my credit file!!

[MARTIN3030]

If they have been assigned the account then they should already have the supporting documentation.

Its like having a car but not having any V5 document.

[GirlAloud]

I think this is very strange too - to be honest debt is not that old 2008 and CCA was a shot in the dark - but they seem to have nothing. I have had a go at them for use of 'pretend legal' docs and the fact that DLC/Hillsden are one of the same (Hillsden is not a client of DLC) - both are breaches of OFTs guidelines on Debt collection. Useless cowboys and believe the bloke who runs it is an ex pig farmer - not for me to make comparisons between pigs/DCAs lol

[tom a]

Not heard anything about this debt for the last 12 months then this morning a bunch of muppets called Zinc Recoveries write to me telling me they "have been instructed in our capacity as professional credit managers,to contact you in relation to the above long outstanding account.

After investigation we have established your residency at this property.

Zinc Recoveries fully understands that in the current economic environment that you may be experiencing financial difficulties, and as such we would like to offer the following possible solutions to this situation.

 

1) Agreement to a financial repayment program to match your current situation.

2) A considerably reduced settlement of the account based on a one of payment.

 

Please contact us to speak to one of our fully trained negotiators.

This is a genuine opportunity to deal with this situation once and for all,however please be assured that further action may be considered should you choose not to accept this offer."

 

Do I need to send off another CCA request to these plonkers or will the original one stand?

Thanks in advance.