Proof a Debt Collection Agency has to provide that the debt is mine?

AndyLGR

If a 3rd party debt collection agency is chasing a debt. What proof do they have to provide that the debt is in fact yours?

Are statements enough to prove it or do they have to produce a signed credit agreement?

I requested that a collection agency provided me a signed credit agreement to prove thats its mine, but they just sent me a computer print out, not a proper statement that you would normally receive on a monthly basis.

Tixy

To prove they own the debt and have a right to collect it they should send a notice of assignment.

If you want to see a true copy of the credit agreement (which doesn't have to be the signed one but needs to be the same as the one you signed) you would need to do a CCA request - which needs to include a £1 postal order.

AndyLGR

Tixy wrote: »

To prove they own the debt and have a right to collect it they should send a notice of assignment.

If you want to see a true copy of the credit agreement (which doesn't have to be the signed one but needs to be the same as the one you signed) you would need to do a CCA request - which needs to include a £1 postal order.

Thanks, do I need to do that through them?