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CCAs and selling debt on

I have noticed a few threads that when the perosn writes to a bank or loan company asking for the CCA, in order to establish its enforceability, the debt gets strangely sold on to a debt company.
Is this so?

If you wrote off to your bank, couldnt they decide that, yes, the debt is unenforceable, and then decide to sell the debt to a DCA, in order to salvage something from the deal?
This way, you're still in debt?

Am I being paranoid?
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