What To Do If You Get A Nasty Letter or Phone Call From:
Direct Legal and Collections
If you are currently having problems with debt collectors, or if you suspect them of using illicit or unfair tactics, then please contact the BBC in complete confidence at the following email address:
(United Kingdom enquiries only, please)
Legal is a debt purchasing company or debt collecting company listed
in the website of DBSG
(The Debt Buyers and Sellers Group) and/or mentioned in consumer finance
forms. They have a legitimate function as debt collectors, but there
is some indication that some such companies (not necessarily Direct
Legal and Collections), and especially the debt purchasing element,
go a bit too far sometimes and can make people's lives a misery when
those same people are at their most vulnerable. We do not suggest that
they are acting outside the law, but getting that letter or phone call
is not exactly helpful to you right now.
So the first thing
you must do if Direct Legal and Collections is bothering you is not
to panic or despair. That's just what they want! They'd love
you to call their number and speak to their specially trained sales
team for 'advice'. But once you do that you'll be suggestible to whatever
they tell you, instead of getting independent advice. While we always
say that you should keep an open dialogue with debt collectors, we would
recommend that you do so in writing only. This will prevent them 'railroading'
you into any action which is not in your best interests, as they so
love talking people into doing things on the spur of the moment. Of
course, they are only doing their job, but that's hardly a consolation
for you in the present situation.
A sensible option,
we would suggest, is a debt management plan or even an IVA - which is
designed to actually write off a large chunk of your unsecured debt.
But you would need to take advice on this and look at your income and
expenditure in detail. This option won't suit everyone. There's more
on this below.
As an alternative
you could apply for a 'logbook loan' which many people find a very handy
option. It is actually a loan secured on your car, except you get to
keep the car and keep the cash as well! That's why some people find
it such a good idea, as it unlocks the equity in your vehicle without
taking away your means of transport (there's no need to sell the car).
for a logbook loan click here.
Yet another option
is a no credit-check guarantor loan. This is especially
useful because your own credit rating is not looked at; you must find
someone else willing to act as a guarantor for you such as a friend
or family member. This is an ideal solution if you're at the stage where
your credit profile has been downgraded by recent events, etc. So click
the following link for Unsecured Loans
that don't need you to be credit checked.
If you wanted to
try a debt management plan, then we provide a whole-of-market service,
with a number of debt management experts on our panel. So whatever your
circumstances, your application will find the plan for you, meaning
the optimum outcome for your situation. It also means
there are no minimum requirements for debt levels or income.
So apply for a debt management plan using the form below.
Registry. Consumer Credit Licence number 633327.
Legal and Collections
Also Known As: DL&C, DL and C, DLC Brackley, DL&C Brackley, Direct
Legal, DLC Direct Legal & Collections, Hillesden Securities. Direct
Legal and Collections Brackley.
Address: Buckingham Road, Brackley NN13 7DN
Telephone: DO NOT PHONE THEM.
Fax: DO NOT FAX THEM.
Extra Data: This is one of the trading styles of Hillesden Securities
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check by applying
Direct Legal and
the Truth About Your Debt
Direct Legal and
Collections Ltd is a debt purchasing agency that
has purchased the delinquent account from the original creditor (or
in some cases another debt purchasing company) for about 10% or less
of the original value of the debt and is attempting to recover the full
sum of the original from you.
Direct Legal and
Collections Limited will use all sorts of nasty
methods to get you to set up a standing order in order to profit from
you. You may already have had bad dealings with them on the phone. They
may phone you when they know it is inconvenient or even embarrassing
for you and do so several times a day. They may be sending you official-appearing
sternly worded letters threatening that they will come round and collect
the money in full or take you to court for the full amount. Their other
strategies may include attempting to make a charging order on your property
or make you homeless.
So ask Direct Legal
and Collections for a copy of the original contract when you took out
your loan or credit card.
Free Invoice Finance Quotes
Here are a number of resources to help you to raise funds if you are in business on your own account and need to raise funds. The following will allow you to apply for Free Business Factoring Quotes and also Free Invoice Factoring Quotes in the event of being able to raise capital if your have unpaid invoices. Also have a look at the Free Invoice Finance Quotes service. With this it is possible to get Free Invoice Financing Quotes.
Data On Direct Legal
and Collections are the same company as Hillesden Securities. They
specialise in buying delinquent unsecured debts and then apply for
court orders to turn the unsecured accounts into accounts secured
on property. Then, playing for greater stakes (because they know they
can threaten you with making you homeless) they get money from
you and also trade in these accounts with other debt purchasing companies.
between using each of their names for different purposes. One seems
to have a debt collection function and the other a legal function.
Trading with two distinct names seems to have brought them great profits
and amplified their threat potential. Classic case of debt bullyboys.
So let's make a special case for them!
you have any information that you would like honest people to know
about Direct Legal then send us an email in complete confidence and
we will try to corroborate it with the clowns involved.
be aware that figures entered into the Direct Legal & Collections
web form, above, will need to be accurate by law, and to give the best
service to you. It is extremely important that you budget for all necessary
expenditure including rent or mortgage, council tax and utility bills,
etc., and any other necessary outgoings related to the upkeep of your
household and in relation to any specific circumstances which may apply
to you or your household. This website only collects data on behalf
of debt management professionals, from which it will receive affiliate
remuneration for data collection only and does not itself engage in
any debt management services. Other debt management options are available
and may be more suitable. People entering into an IVA or debt management
will have this entered on their credit profile and this may affect their
ability to get credit in the short term or even in the long term in
some cases. It is free to apply from this website; you will be given
advice by debt management professionals and a 'cooling off' period,
by law, to decide whether or not the debt management plan is suitable
for you, and you should be aware that a fee will be chargeable upon
a successful arrangement, as with any commercial transaction. Failure
to meet the repayments on an IVA or any debt management programme may
result in serious consequences, including, but not limited to, bankruptcy.
Bankruptcies, CCJs and similar defaults will be entered into a public
register and will remain there for a statutory period of not less than
six (6) years.
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a look at the Insolvency Service's leaflet called 'In Debt', downloadable
of Debt Collectors
Direct Legal website is part of DPC Registry website group. All rights
reserved. Complaints Against Direct Legal and Collections debt collectors.