Returing debt to original creditor

debtlady

Is there a way to make the original creditor (Goldfish) take the debt back from the DCA (1st Credit)? I remember seeing this mentioned before, and wondered how to go about it?

fatbelly

Hve 1st credit bought the debt (been assigned to them) or are they just collecting on behalf of Goldfish?

pepe2008

Make a request for the original CCA ( if there is one ). Templates are on MSE or google National debt Line, they have them. Follw instructions.

If no CCA then debt not enforceable so it doesnt matter who has it.

debtlady

Debt was assigned to 1st Credit. I requested the CCA back in September but no sign

pepe2008

debtlady wrote: »

Debt was assigned to 1st Credit. I requested the CCA back in September but no sign

Then its IN DISPUTE and its been so for more than 30 days! You need to send the 30 day letter ( anyone help with the template? Stapeley? ) and point this out.
They cannot enforce collection of the debt at the moment and they cannot send it to someone else ( eg Connaught , same animal as 1st Cr ).

debtlady

I'm sending them the monthly amount I had agreed with goldfish, should I stop doing this? They are now threatening legal action

pepe2008

debtlady wrote: »

I'm sending them the monthly amount I had agreed with goldfish, should I stop doing this? They are now threatening legal action

Make the payments....if they go to Court
1) No CCA
2) you are making payments

Debtlady 2, 1st Credit 0

and the Judge will love that:D

Send the 30 day letter

debtlady

Thanks Pepe
Where can I find the 30 day template?

pepe2008

debtlady wrote: »

Thanks Pepe
Where can I find the 30 day template?

can never find these things in a hurry!!

RAS may come up with it.

HannaB

Will this one still apply?

http://forums.moneysavingexpert.com/showpost.html?p=6517979&postcount=6

It's an older post, but I have it bookmarked just in case my requested CCAs don't arrive (fingers crossed).

debtlady

Thanks for that, but I read somewhere that it's no longer an offence to fail to provide a CCA within the 30 days. Is this correct? I want to make sure I have my facts straight!