Direct Legal Debt Collection Agency


Registry of Debt Collectors



What To Do If You Get A Nasty Letter or Phone Call From:

Direct Legal Debt Collection Agency



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Direct Legal Debt Collection Agency is a debt purchasing company listed in the website of






Name: Direct Legal Debt Collection Agency

Direct Legal Debt Collection Agency and the Truth About Your Debt

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You should always ensure that you know whether the debt collector has purchased the debt themselves as a means of turning a profit (in the role of a debt purchaser) or if they are carrying out recovery work on behalf of a client such as a bank. If a letter of assignment has been sent, which is legally required if the account has been sold, then you will know the debt collecting firm or DCA owns the account and will try to get as much out of you as they can. When dealing with Direct Legal and Collections debt collection agency remember that every penny the debt agency gets is profit as they bought the debt outright for a song. So they will try to get you any way they can.

Always deal with these debt collecting firms by post. Do not give out your telephone number. The problem is during the first call they make they'll say they are the credit card company or bank and make you more obliged to become complicit in what they say. They want you to be as unaware of the facts as possible, so they like to create as much confusion as they can: here is where Direct Legal and Collections debt collection agency will have greatest effect. When they get hold of this information they will use this to pester you, even to frighten you. You can use the law to prevent this but most people don't know which laws to use and how well the debt purchasing firms will use this to their own advantage. Organisations like the CCCS (Consumer Credit Counselling Service) and the CAB (Citizen's Advice Bureau) are there to help but often they are overburdened so there are times when their advice may be incomplete.

It is an option to call into question the validity of the amount owed or indeed the existence of the account itself by making a SAR (or Subject Access Request) in response to Direct Legal and Collections debt collection agency. The owner of the account (the bank or the debt collection company) is obliged to send you a true copy of your original credit agreement with the bank if the agreement was signed before 6 April 2007. If they fail to do this they are in breach of the Consumer Credit Act 1974, and the alleged debt is said to be in dispute. While the alleged debt is in dispute they must not ask for payment (if they do so they are in breach of the law) and they must not sell it on (which many do nevertheless at this stage). While this situation exists it is said to be unenforceable, even by a judge. There's a series of pre-written letters available for use. If you want you can always get a solicitor to do this for you, due to the difficulty of the law at certain points. There are also specialist legal and paralegal firms who have expertise in this area.

So ask Direct Legal Debt Collection Agency for a copy of the original contract when you took out your loan or credit card.




More Data On Direct Legal Debt Collection Agency


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