Can a debt agency buy an HP debt and convert to a loan then chase you for it.

fwor

I think we're all trying to avoid telling you what you want to hear. And rightly so, because that won't do you any good. I personally can't see any easy way out for you.

The only way forward for the allegation that you paid VAT twice is if you have actual, documented evidence that you did. Without that you have (IMO) no case to make, and trying to chase it is just a waste of time.

You aren't going to make anyone else liable for the damage to the bike, and the resulting reduction in its value. Just writing and telling another party that it's their responsibility and that you are not going to insure it was never going to have the desired effect.

The main reason that I say that you are misinterpreting what the DCA is doing is this: debt collection is their business, and they are not stupid enough to be trying to retrospectively change your contract (because it would not hold up in court). Hence they must be doing something else, and whatever they are doing ~is~ likely to hold up in court.

Please don't think that this will just go away - debt collection companies buy these debts cheap and then play the long game. They will have been playing it for many years, so don't expect them to make silly mistakes.