Quick question re: 'letter to debt collection agencies'

Hi Spike. Not too sure what the "letter to DCA" is, but i have a question.

Could the debt be statute barred? If you have not made a payment towards the debt for 6 years (5 in Scotland) and not acknowledged the debt in writing, the debt is unenforcable. Payments made to the debt after this time does not alter it from being statute barred.

Are you requesting a copy of the customer credit agreement (CCA) from the DCA? If the debt is a loan or CC debt (not an overdraft), then i would advise doing this. There are template letters available if this is not the letter you are referring to.

I would also start reclaiming all charges from Natwest.

Ignore the phone calls - there is a template letter somewhere to get them to contact you in writing only.

If it is the DCA that are trying to get money from you, then you should be sending the CCA request to them.

Don't forget NEVER sign any letter you send to a DCA and only send postal orders as payment (so they don't get your signature from the cheque either).

This is just a make believe scenario and no company would ever contemplate such a thing - honestly.

DCA charges you for a debt and is happy to be getting loads of money from you. :j
You stop paying them
They're not happy
You request a copy of the credit agreement :eek:

After looking online to find out what these are, they see that they have a CCA for another client :cool2:
They have use of a graphics package at the office :laugh:
The CCA is scanned in
The written details are removed
They scan in your letter requesting the CCA
They print this off and write in the remaining details that are blank :cheesy:

They now have a CCA with your signature on it. :shocked:
They send it to you demanding payment and threatening court action etc :huh:
Do you pay? :undecided

There was a thread i read recently which seems to have followed some of the above - only difference being that the lady in question had got married since taking out the loan. :laugh:

The letter was signed using her married name, but the loan was taken out in her maiden name. You would have thought a high street name bank would have known better - or at least had staff who would have noticed something like this before it went to court :mad: