No CCA

craigers

When I entered into my DMP, one of my credit card companies sold my account worth £1600 to a DCA, who accepted my DMP payment proposal. Within a couple months, I came into a small lump sum and phoned up this DCA to negotiate a !!!!!!. We agreed a !!!!!! of £1000. I paid by debit card. My CRF was updated to show the account settled. Payplan had even paid an extra monthly payment to the DCA under my DMP.

Two weeks later, on a Friday evening of a bank holiday weekend they took another grand off my debit card. They refunded me by CHAPS, but it was the tuesday before I received the money which meant I was penniless that whole extended weekend, and my rent and council tax were paid late. But I got my money back so I was happy.

To my utter disbelief, about a month later I received a cheque from the DCA for the £1000 plus the over payment. Given they had taken an unauthorised payment on an already settled account, and the fact that they had left me with no money for 3 days, I cashed the cheque with the intention of paying back the grand but making them work for it, and to keep the overpayment. But they sent me a letter saying I'd broken the agreement and I now had to pay the original £1600. I swiftly told them I was seeking advice, which I didn't. Its now about 11 months since the letter demanding the £1600, and they continue to send threatening letters and bombard my phone with calls to which I never respond.

Can anyone advise where I actually stand, given the account was settled and I have no CCA with them.