Direct Legal and Collections

jascrawf

Hi,

My auntie has just had a phone call from Direct Legal and Collections. She has been paying back a catalogue debt at £2 per month, which was agreed based on her part time wage.

Said company explained that they know she is in receipt of more money and they listed several bank transactions - such as my uncles wage being paid into her account too, some of the bills she paid recently etc. They have demanded the full repayment of the debt - £1500 within a week - otherwise they'll be taking her to court.

Is this legal? I didn't think debt companies could gain access to bank details without a court order? And what should the next step be?

Any information would be really appreciated.
Thank you!

sistafromanothermista

I don't know but does sound dodgy.
I've bumped the thread in case anyone else can help.

Lensman_2

Putting DLC's dubious claims aside for the moment, please could you give us a concise history of the debt? When it was taken out and how much she thinks she owes?

I suspect that DLC loaded her up with guilt on the phone and she gave them the info to claim what they do to be honest.

There is no way they can get that info any other way - the only info they have is:
1. from her credit file (this does not record payments to an account except those made by the payee).
2. From your Aunt.

If your Aunt has been paying £2 a month reliably then this is all DLC can get.

davek1

write to them and ask for a Data Protection Act subject access request. They may charge you a maximum of £10 but specifically ask for information relating to bank account details and transactions that they hold in respect of you. If they fail to disclose how they got it or what it is then report them to the information commissioners office