CHEERS one success already with cca!!! but further advice needed

beadle2

:beer:one success already with cca but further advice needed
. i have had some letters back from various debt collection agencies i wrote to re cca`s :-

one stated that they purchased the right to recover the debt and as such not original creditor so cdont hold documentation but will try to recover this from original creditor within time allocation BY 11th August.

( i thought that as they were collecters of my money they would have been issued with the documents ) can you advise?

DO i wait and see now or do i still have to make Augusts Payments

i did have one come back to me that original documents were not available and a whole load of waffle later "we agree the loan is unenforceable in a court of law:Tso thanks it does work:beer:

Ames

If they're trying to collect the money they have to be able to provide the documentation.

They should have been issued with the documents, but probably weren't.

oscar52

I think they are trying to fob you off.

This is what some of the template letters (on various sites) state when a DCA makes such a claim

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.