For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.


DLC Debt Collection – Must You Pay? Read Here (Telford)

DLC Debt Collection

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

DLC Debt

Are DLC Debt Collectors hassling you about outstanding debt you have? Are you unable to repay the debt and wondering what you can do next? Do you believe you have paid the debt and don’t know why they are contacting you in the first place? If these problems sound familiar, or you have similar concerns, this article is just for you. We will discuss how to deal with DLC Debt Collectors.

It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

Deal with your debt today and feel amazing tomorrow.

Beating Debt Collectors

There are several ways to deal with DLC debt collectors and improve your finances.

Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.

It’s always best to find out about all your options from a professional before you take action.

Fill out the 5 step form to get started.

DLC Debt Coallectors

Who are DLC Debt Collectors?

DLC Debt offers a variety of credit management services to its customers, including debt collection and data management. The company is registered in the UK and is a division of Hillesden Securities Limited.

DLC are known for collecting debt for the HMRC for things like overpayment of tax credits or self assessment debt. They also buy bad debt on the cheap from large companies like Argos and Sheilas Wheels that they then try to collect to make a profit.

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started
fight back when you get a debt collection letter

Why do DLC Debt Collectors keep contacting you?

Debt is a major problem these days, and debt collectors are in plentiful supply. There are debt collectors operating as independent businesses, as well as those who work as part of the credit company (the company you have the debt with.) They all work differently, but with the same outcome – to get you to pay the debt! You don’t owe the money directly to DLC Debt Collectors, but they have the right to chase you about it, as they have purchased the debt.

Debt collection agencies pay a small price for the debt, and they can end up making a good profit. In some cases, they will pay only 20% of the face value, which means they are buying debt at a value of £1,000, for only £200. It is a good way for them to make money, as when you pay up, they make a profit. They don’t usually take much time to consider what your situation is and why you are facing debt problems. They have heard it all before, and to be quite frank, they don’t really care. In many cases, debt collection companies will even stoop to the lowest possible levels to get payment. The Office for Fair Trading (OFT, 2010) even stated that poor practices “appear to be widespread”.

Feeling like Chandler?

how to debt

Is all this information starting to feel overwhelming? Don’t panic! There’s plenty of help available. You can get started below.

Fill out the short form

Should you pay the debt?

As DLC Debt Collectors buy the debt from another company, you may not recognise them. If the debt looks unfamiliar though, you should seek to get confirmation of the debt, including a breakdown of the costs. The debt will probably be higher, due to interest and charges. It may even be substantially higher.

You should request a copy of the original credit agreement from DLC Debt Collectors. If they cannot provide this, you won’t need to pay the debt. There is no reason why they shouldn’t be able to give you this information.

Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money.

Are you able to pay?

The quicker you can pay the debt off, the better. If you owe the money, and you have received confirmation of this, you should aim to clear the debt. However, if it will stop you from taking care of other essential bills, you should hold off while you devise a more suitable repayment plan. You may even be able to agree to a partial payment to clear off the debt.

How to deal with debt collectors

It is not uncommon for debt collectors to implement a range of tactics to try and get payment. These may include pressurising and bullying you into paying. They may keep calling your workplace to try and reach you, and may even threaten you. You should know that most of the threats are empty.

It can prove almost impossible to get the debt collectors called off. Victims say they have suffered sleepless nights and been afraid to open their doors in case bailiffs turn up.

Debt collectors can cause a lot of stress as a result of their tactics. In some cases, debtors have reported feelings of humiliation and distress. Others have even contemplated suicide. The debt support trust said that up to 50% of those who suffer with debt issues, will consider suicide. This is obviously a staggering and extremely worrying statistic, and debt collectors should definitely consider reviewing their tactics. There have been cases were debtors have felt disconnected from family and friends because of their debt problems, and even a feeling of being entrapped. It is clear that dealing with debt can have a negative effect on mental health. This is why the government were asked to step in. They looked at the intimidation tactics used by debt collectors, and instances of irresponsible lending. They had to take some harsh action to deal with the situation.

DLC Debt Collectors – the guidelines

The Office for Fair Trading (OFT, 2012) has published a set of guidelines for the debt collection business. To summarise these, DLC Debt Collectors should:

  • Ensure they treat debtors fairly, without the use of aggressive practices, or any improper or unfair practices
  • Focus on transparency when dealing with debtors, and provide clear, concise and accurate information
  • Show consideration towards debtors who are dealing with financial problems
  • Ensure the debtors situation is taken into account, before determining appropriate action

If you feel that DLC Debt Collectors are trying to intimidate you, or they are being downright abusive towards you, you would have the right to report them to the OFT. They may decide to remove their license.

Complaints about the tactics used by debt collection agencies and bailiffs themselves soared 77 per cent from 864 to 1,529.

You can make a complaint about DLC Debt Collectors by using this online complaint form.

Debt collectors may even say that they are working externally, when they are part of the original creditor you have the debt with. As this is deceit, they are breaking the legislation, and in which case, you would have the right to report them.

Understand more about DLC Debt Collectors

If you know how DLC Debt Collectors operate, it may not make dealing with them any easier, but it will help you stick up for yourself. These are some points worth noting about how debt collectors.

They may work to targets

You may find that the agents at DLC Debt Collectors are working to targets, which is why they may be persistent about getting the money from you. The targets may be daily, weekly or monthly, and if they fail to meet these, they won’t be able to get their bonuses. The agent may try to keep you on the phone as long as possible, as the longer they speak to you, the more likely you are to pay up. The last thing they want is to come off the phone and say they have not managed to get any payment.

You should stick to your guns on this, as if you make payments you can’t really afford, you may end up being unable to take care of day to day bills. In most cases, any threats made by DLC Debt Collectors are empty. They do not have the right to force or threaten you into paying, especially when you can’t afford it.

They may keep calling

Have DLC Debt Collectors been calling you on a continuous loop? This is a common tactic they use, and it is usually the result of call technology being in place. Your phone may ring as often as every half hour, until you finally get fed up and answer it. It is basically a form of intimidation, and it often works, hence why they do it.

This doesn’t make it right though, so if they are doing this, keep a note of the calls and timelines. This is harassment and as such, it breaches the OFT guidelines. You have the right to advise the agent that you plan to report them to the Financial Ombudsman.

You can reach the Financial Ombudsman on 0800 023 4567 or alternatively, 0300 123 9123.

Are they angry with you?

You may find that the agent becomes quite annoyed, or even aggressive, when they discover you can’t make any payment. The reason for this is that it means they will not get the bonuses they had their eye on. This can be quite distressing to deal with, especially if you are suffering with financial issues, but you should not let them affect you too much. You are not there to take any abuse, and you should definitely not put up with it. The phone calls may be combined with other types of distressing behaviour, such as threatening letters and sinister emails. They do this to try and break you down. Ultimately, they want you to pay up, and they are not particularly concerned how they get the payment from you, or whether it is even affordable to you.

If you are struggling to deal with this behaviour, you are not alone. It is by no means easy, but you should stand strong in the face of adversity. You can also report the behaviour to the OFT using this online complaint form.

Have they spoken to third parties?

You may find that DLC Debt Collectors have decided to speak to a third party, if they have been unable to reach you. This may be a family member or partner, but it could be worse, they may even speak to a colleague. They are not permitted to discuss your finances with anyone, other than yourself, unless you have explicitly requested this. It is against the OFT guidelines, as well as privacy laws. You can report them if you discover they have done this.

The best way to do this is to contact the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Have they lied to you?

Some debt collectors don’t believe they need to follow the law, and they use some very nasty tactics to try and get you to pay your debt. These may include some downright lies, such as saying they are a bailiff and will be coming to your home to take away your possessions, or threatening you with criminal prosecution.

Do not allow them to visit your property. If they do this anyway, you should let them in. You have the right to report them if they are insisting on this, or if they turn up and you feel under threat.

Staying strong against debt collectors

We have seen many cases were debt collectors, such as DLC Debt Collectors, have been relentless in their quest for the debt repayments. In some instances, this as led to mental health issues, and in worst cases, some debtors have even thought about suicide. It is difficult to stand up to the behaviour of debt collectors, but having strength is imperative. You will need to get out of debt, but you should do this in a way that won’t cause you any additional stress. No matter what your debt problems are, there is always a way to deal with them.

How to get help with debt problems

If you are looking for help to get out of debt, there are various options available to you. You can choose to use organisations who offer debt advice for free, or alternatively, there are also commercial debt management companies who will charge you for this service.

You should always use the free organisations as your first port of call. Some of the main agencies to consider for free help, include:

  • Citizens Advice Bureau (CAB) – this is an organisation who provide free help and advice through highly skilled and experienced advisors. They will be able to help you find the best way to repay your debts.
  • Christians Against Poverty (CAP) provide debt help and advice for free.
  • StepChange provides free online debt advice and helps you take back control of your finances.

You may be able to write off some debt

There is an option to write off some of your debt, by signing up to an Individual Voluntary Arrangement (IVA). With this formal agreement, you will pay a set amount each month, and then the rest will be wiped off after a set period. This is the best option if you have substantial debt, with no means to repay it.

I’ve put together a 5 question form so you can get started in finding out whether an IVA might work for you.

Answer the five questions now.

Final words

The government have stepped in to take control of the escalating debt situation, but despite this, there are unfortunately still many debt collection companies who behave in an extremely distressing way. Some are still driving debtors into poor mental health through their abuse and harassment. You can get help from one of the organisations we have suggested above and although you should not just refuse to pay the debt, there are always ways to deal with it. Most debt collection companies will be able to set up a repayment plan to allow you to repay the debt at a rate you can afford. If you are unhappy with the treatment you have received from DLC Debt Collectors, you can report them to the Financial Ombudsman,

DLC Debt Collectors Contact Details

Company Name: Hillesden Securities Limited

Other Names: DLC, Cabot Credit Management Group

Buckingham Rd
NN13 7DN

Phone: 0344 800 5225, 01280 707500


Email: [email protected]

Monday – Thursday: 8:00 am – 8:30 pm
Friday: 8:00 am – 7:30 pm
Saturday: 8:30 am – 12:30 pm

Numbers they call from



CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring