If you’ve found yourself in contact with DLC and need some help and advice, we’ve got everything you need to know.
Whether you’re being chased for a debt you aren’t sure is yours or struggling to meet the repayments associated with your account, we’re here to help.
Being contacted by debt collectors for money you owe can be a stressful situation. We understand that you may have questions you aren’t comfortable asking them, or perhaps you’ve simply lost their phone number.
The information provided below is designed to help you understand any situation where you’ve been chased for a debt by DLC that you aren’t 100% sure of.
DLC contact details:
Company Name: Hillesden Securities Limited
Other Names: DLC, Cabot Credit Management Group
Main Contact Number(s): 0344 800 5225 or 01280 707500
Other phone numbers that they might use to contact you:
01280 707297 or 01280 843769
Who is DLC Debt Collection?
DLC is a debt collection agency and debt recovery company. DLC is a trading name of Hillesden Securities PLC, who in turn is part of the Cabot Credit Management Group.
DLC offers debt collection, credit control, litigation, tracing and debt purchase services.
They were founded in 1979 and are one of the most well-known credit management agencies in the UK market.
As an outsourcing specialist, they operate in both the private and public sectors. Their clients are made up of well-known brand-name companies and Central Government departments.
They collect outstanding debt from bank loans, credit cards, mortgages, utility providers, insurance policies, telecoms and unpaid taxes.
They operate as members of the CSA, CAI, CCUA, CCTA, and Investors in People, and are regulated by the Financial Conduct Authority.
Why would they contact you?
You may receive a letter, phone call or home visit to try to recover money that you still owe. If you don’t recognise the name DLC as a business that you owe money to, this is usually because they manage or buy debts from other businesses.
This could be for a credit card, a mobile phone contract, council tax, motor insurance, a mortgage—in fact, DLC manage debt recovery for almost all types of businesses and organisations.
If you have stopped making or missed payments into a credit agreement, it could be cause for you to be chased for the money you owe in court. This is why it’s so important to engage with your debt collector as soon as possible. It’s much better to arrange a payment plan that suits both you and the company instead of letting it reach this stage.
DLC should be sensitive to your situation and give you different options to pay back your debt. If you don’t think they’re acting reasonably, or you’re confused by the way your case is being handled, make this clear to the agency and, if need be, make a complaint.
Do you owe DLC money?
If the debt is no longer active or you don’t think you should be responsible for it in the first place, then it is possible to reject their claims and potentially have the debt written off.
However, you must be able to prove it. You should have paperwork outlining your loan or credit arrangement. In the same way, DLC must present you with all the relevant documentation as proof of the debt they’re suggesting you owe.
For debts that are active, there are strict rules that both the lender and the collection agency must follow to make sure that the recovery is fair, and that you’re not being forced into deeper debt issues.
How old is the debt they are collecting?
Any debt that has reached a specific age can be written off as being statute barred. These debts are no longer legally valid as they have existed for a set length of time without being chased.
If the debt doesn’t fit the description of being statute barred and is still valid for payment, you must make an active plan to pay back the money you owe.
We can advise the best options for your current situation and income.
Is DLC treating you unfairly?
When it comes to collecting unpaid money from loans, credit cards, mobile phone contracts, heating and energy supply, or for your council tax or child support payments, the agents employed to recover them have to comply to strict rules and regulations.
These rules are designed and controlled by the Financial Conduct Authority. DLC is no exception and must follow the practices that they outline to protect both the borrower and the lender.
You could be entitled to compensation if you’ve been mistreated. If you’ve been subject to any of the following or to behaviour that you believe to be unnecessary or heavy-handed, we can confirm and advise you on your best course of action.
Examples of unfair treatment include:
- Overly expensive or unreasonable charges associated with the debt collection
- Excessive visits or phone calls to chase outstanding payments
- The use of force
- Forced entry to your property
- Calling at unreasonable times
- Pretending to have legal powers that they don’t
Managing your debt
At Talk About Debt we deal with debt collection agencies just like DLC every day. We know how they operate, the jargon they use, and what they are and aren’t allowed to do to recover the money you owe.
Our team are experts and will deal with your issue in a friendly and understanding manner. We know that anyone can be prone to a debt issue and that dealing with it doesn’t have to be stressful or difficult.
We’re here to help you take control of your budget—to understand the many issues and causes of debt, how to avoid them, and how to resolve problem situations whenever the need arises.
Support from our trusted debt advice partners will help you determine the state of your debt to be certain you do owe the money, or if it has been statute barred.
If they can challenge the debt, they will make sure you don’t have to pay them a penny.
If, however, the debt is live, then they can help you find a debt solution that suits your circumstances to help regain control of your finances.
Your debt solution will allow you to repay what you owe with monthly payments based on what you can realistically afford each month.
For help dealing with your debt, talk to TAD to be connected with one of our trusted debt partners.