DCA has admitted no CCA, now for a F&F letter

lordluca

Hi
My DCA (£9000) has admitted having no CCA but i'm still paying £25 per month. I would like an end with them and am thinking of offering a Full and Final, approx £1500. Should i do this as ive heard it may then mean i acknowledge the debt, but i want it of my files asap. Also can anyone help me with the wording of the letter i should send them.
I would be very grateful for help. I did post before but ended up being too scared to contact them and just hoped it went away, but of course, it didnt.
Thankyou all

fatbelly

You're acknowledging the debt every month by your £25 payment.

You have posted before on this:

https://forums.moneysavingexpert.com/discussion/2688037

National Debtline have a template letter for F&F offers but this is unenforceable as agreed by the creditor!

I don't understand why you're paying them anything. Surely you've got something better to spend £1500 on.

ceejaydee23

I have just been informed on another thread that if a DCA cannot supply you with the CCA you asked for they cannot expect you to pay so therefore you should have stopped paying them as soon as they got back to you, as now the account will be in dispute, so should be putting your account on hold anyway!