dlc

[fabsc]

Hello this my first post on here,

 

after reading many posts on here and gaining alot of insight to the unscrupulous world of the debt collection lot,

 

however I received a odd letter today from DLC, an old Black Horse loan from 2005 which im disputing as its mostly PPI ,

 

the letter isnt a demand for payment just says creditor name Hillesdan Securities formerly Black Horse,

 

its gives a balance and says information only, you do not need to respond!.

 

theres no phone number on it anyway (not that i`d ring them if there was).

 

Any ideas what i do with it-im tempted to file it in my favorite place-the toilet!

[dx100uk]

agreed!

 

& get that PPI back then!!

 

dx

[fabsc]

Thanks i will, i think its the 4th collection agency that have tried it on about this matter,just seem to pass it on after a while!

[42man]

Is there any chance the debt may be statute barred (i.e) you have not made any payment towards or acknowledged the debt in writing for at least 6 years ? (5 in Scotland)

[PGH7447]

they are now supposed to send out a yearly statement, so this is probably what you have recieved, maybe a good idea to keep it in case they try to up the balance later

[fabsc]

Is there any chance the debt may be statute barred (i.e) you have not made any payment towards or acknowledged the debt in writing for at least 6 years ? (5 in Scotland)

 

dont think so yet as its only 4 years since i last contacted them, id be interested to see how much PPI ive paid them ( my original loan from Black Horse was back in 2002)

[42man]

A SAR to the original creditor would be a good start....if you had PPI from as long ago as that then it could be quite a lot of money.

[fabsc]

they are now supposed to send out a yearly statement, so this is probably what you have recieved, maybe a good idea to keep it in case they try to up the balance later

 

thanks i didnt even know DLC had taken over the debt, its like pass the parcel!

[Hardupnotfedup]

dont think so yet as its only 4 years since i last contacted them, id be interested to see how much PPI ive paid them ( my original loan from Black Horse was back in 2002)

 

Just because you contacted them 4 years ago doesn't stop the alleged debt from being statute barred as long as a payment wasn't made or admittance of the debt made.