hillesden securities default entry

[Dawn Thomas]

Dear All,

 

I am looking into debt recovery practices and your experience and knowledge would be invaluable to me. If you wouldn't mind dropping me an email at PERSONAL EMAIL ADDRESS REMOVED I would be most grateful.

 

Thanks

 

Dawn

[pj41]

Hi Dawn, In what regard are you looking for information.

 

 

 

Paul

[pj41]

Was that someone (dawn thomas) sniffing for info? Alan

 

Poor do if it was. You would think that they would know the Law of the Land!!!

[pj41]

Hi all,

 

Sorry for the c**ck up here.

 

The story so far! shortened for ease.

 

Hillesdens tried to claim against me my "debt" of £5.5K i wrote a CCA letter and sent my £1 the claim was stayed!

 

So I decided to claim all the money I'd paid Hillesdens for this alleged debt. They have defended. I have today recieved a copy of the defence and I have to say in my opinion it's very weak!

 

I had an account with citi bank. (so what)

 

I must have had an account with city 'cos I'm claiming my charges back (copy of my claim against citi enclosed). And your point is?

 

I paid them money so I must have a debt. (Decieved into it!)

 

We have no paperwork re the CCA request, its on order ( ah so after 18 months now you still have no paperwork? and had your claim against me stayed to reflect this some months ago. Well I wonder what a district Judge will make of that?)

 

In conclusion he (their solicitor) puts me under strict proof that they the Defendant is in any way indebted to me.

 

(Obtaining a precuniary advantage by deception?) I think thats right. But rest assured I will check.

 

WHERE ARE THE DOCS? : COPY AGREEMENT AND DEED OF ASSIGNMENT?

 

I hope either Hillesdens and or Citi Read this.

 

 

Thanks all

 

 

pj41

 

AQ to be returned by 4th December

[Shortbusdriver1969]

Hi Guys, How do I get a Data Protection Act information and also a request for the CCA agreement. ? can I email it or does it have to been done via a court ?

please email me **EDITED**as I dont log on here much

as I have been chased by DLC how claim their client is Hillesden

I have that much debt I dont know who its for could be citi or yes car credit, but Yes car credit I gave them the car back. they say I still have to pay even though I have given the car back

cheers

Neil

Edited April 9, 2009 by MARTIN3030
Please dont post contact info.

[scoobydp]

Hi I dont know if I am hijacking an original thread but I too have an issue with Hillesden securites. I have received a letter from a solictors working on their behalf. Stating I owe over £5,000 from a credit card in the mid 90's. I have not had this credit card nor do I owe this money. I have had only 2 credit cards, one in the last 80's which was paid off and certainly was not citi credit and the other which i currently manage very well.

 

The letter starts "we are about to issue a warrant of execution against you. This will incur an additional court fee which will be added to the amount you already owe". If goes on to talk about court bailiff calling at my address and taking my goods. I am not to contact the solicitor but direct legal and collections only (which i understand is also hillesden securities)

 

Does anyone have any advice on how to procedeed, this is clearly not my debt, I have never run up a debt even close to £5k. Should i be worried about this? plus what can I do to address the problem

 

Many thanks

Scoobydp

[pj41]

Hi There,

 

Don't Panic and dont respond atall.

 

Any personal debt is statute barred after 6 years. That means it's unenforceable because the creditor has not acted "in time" to issue any Court Papers. eg A County Court Claim. A warrant of execusion can only be served after someone has LOST a County Court Claim.

 

If you respond to the letter and the debt is yours the 6 years starts again and they can then issue a Claim against you.

 

If you are 100% certain the debt is not yours just ignore the letter. I say this because Hillesdens are useless at what they do. Why help them.

 

If the debt is yours still do nothing or else they can start recovery action again as contact has been made.

 

Hope this helps

 

 

pj

[paulessex]

I know this is an old thread but i need to ask a question or two

 

it seems Hillesden Securities have put a default entry on my credit file, the entry says its HP? and dates back to 2001, I had a car on HP back then but it was paid in full I had PPI and had to get a solicitor involved. and it was fully paid up.

 

how can i get them to remove the default notice on my credit record until yesterday i had no idea this was on my file, until i checked my credit file for the first time ever.

 

Do i send them a letter requesting proof. as this thread says? and do i say if they can not provide proof thay are to remove the default notice????

[andrew1]

One would have thought the Default Notice would have dropped off after 6 yrs. What date is the DN? - If's it's 2001 then I'd suggest you get in touch with the credit reference agency and get them to remove it - make sure you ask them to inform the other CRA's as well. If it is dated later than that come back here with the details and you'll be guided.

[paulessex]

Thanks for the reply.

the so called HP was taken out in 2001, the default was put on my file in 2006. (i'd had no letters or anything) and as pointed out i never even knew there was a default notice on my credit file until a few days ago. and my car was paid up in full.

 

what i don't understand is, why is it affecting me now as, two years ago i had two loans (£2000, and £1,500) from my bank, one is all paid off the other is almost finished i've never defaulted on either, i wanted another small loan and got turned down this is why i checked my credit file, why didn't they turn me down last time? after all i had two loans?

 

I have one credit card that is upto date and in good order payment wise