Transfer of Information/ CCA etc ??

pepe2008

May be a stupid question, wouldn't be the first time, but...

If a CC Debt is assigned to the scum ( sorry Debt Collector ), does this end the Contractual Agreement between Debtor and CC provider?

If YES. Then does this then mean that if they have not already sent a Copy of the Original CCA to the DCA, they cannot send one after the date of Assignment because the Clause in the T&Cs that allows for the provision of information to a Third Party would now be null as the Contract had been Terminated? and therefore the DC cannot get their hands on a Copy

I ask this because one of my CC debt Co's were adamant that our Contract had ended.....and the ICO are not able to give 'specific advice' ( so the point of the ICOs helpline is?????)

I have already penned my 'As our Contract has ended you are requested NOT to reveal any Personal or Account Information to any 3rd Party without my express permission as in doing so you may well cause me personal distress or expose me to harrassment from such 3rd Party' letter.

...any thoughts

blueforyou

pepe2008 wrote: »

May be a stupid question, wouldn't be the first time, but...

If a CC Debt is assigned to the scum ( sorry Debt Collector ), does this end the Contractual Agreement between Debtor and CC provider?

If YES. Then does this then mean that if they have not already sent a Copy of the Original CCA to the DCA, they cannot send one after the date of Assignment because the Clause in the T&Cs that allows for the provision of information to a Third Party would now be null as the Contract had been Terminated? and therefore the DC cannot get their hands on a Copy

I ask this because one of my CC debt Co's were adamant that our Contract had ended.....and the ICO are not able to give 'specific advice' ( so the point of the ICOs helpline is?????)

I have already penned my 'As our Contract has ended you are requested NOT to reveal any Personal or Account Information to any 3rd Party without my express permission as in doing so you may well cause me personal distress or expose me to harrassment from such 3rd Party' letter.

...any thoughts

I'd like to add my interest in this too. Also, can anyone inform me of the differences between debt assignment and debt purchase?. This matters as I need to know who should actually deal with the CCA request...