DCA asking for a payment for proof of debt

County

Hi,

I had a letter from Credit Solutions Ltd. saying that they are handling a debt from an expired bank account of mine.

As I had not had any information from the bank regarding any alleged outstanding debt nor been informed that a DCA was getting involved, I wrote requesting the notice of assignment and for a copy of the original, signed credit agreement.

They have replied demanding a fee of £10 under the Data Protection (Subject Access) (Fees and miscellaneous provisions) Regulations 2000. I want to know if they are allowed to do this or if they are simply trying to get money out of me.

I hope someone can help.

Thanks,

C

Tixy

No you don't need to pay, and shouldn't, because you haven't done a subject access request.

For a CCA request (for a copy of the credit agreement) they can charge a £1 fee.

However all you need at this stage is proof of the alleged debt - the template prove it letter should provide you with this - Letter when you know nothing about about the debt - AKA "Prove it" letter

sourcrates

Sounds like someone at there end not too clued up on procedures, write back with the "prove it letter" as advised.

County

Hi,

Many thanks for your swift replies :-) I have drafted a reply with the 'prove it' details again so we'll see where that goes...

Sounds a lot like they are trying to scare me into just paying.

C

fermi

Or just trying it on.

Agree with the above. Under OFT guidelines they are obliged to provide proof of a reasonably queried or disputed debt, WITHOUT making a charge.

County

Hi,

Many thanks for your swift replies :-) I have drafted a reply with the 'prove it' details again so we'll see where that goes...

Sounds a lot like they are trying to scare me into just paying.

C