Complaints Against Direct Legal and Collections
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What To Do If You Get A Nasty Letter or Phone Call From:
Direct Legal and Collections
Important Notice
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:
Laura.Ancell@bbc.co.uk
(United Kingdom enquiries only, please)
Direct 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). To apply 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.
DPC Registry. Consumer Credit Licence number 633327.
Name: Direct 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.
Email: [user]@DLcollect.co.uk
Extra Data: This is one of the trading styles of Hillesden Securities Ltd
Get a free QuickCreditScore check by applying here.
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.
More Data On Direct Legal
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.
They alternate 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!
If 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.
Please 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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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.
This Direct Legal website is part of DPC Registry website group. All rights reserved. Complaints Against Direct Legal and Collections debt collectors.
