Additional Idea's please

Neil_948

I have an account that has been passed from the creditor to a collection agency. I received notification from a company called Tocatto (part of Lowell) in November last year and agreed to pay a monthly amount towards the debt, I paid three months before it came to my attention that payment was not being taken by the company who had the DD guarantee to take the payment.


So with this information I contacted the company who was actually taking the DD and gave them 14 Days to supply me the details of the account that they had, they did not contact me in anyway regarding the account, So I then cancelled the DD.


On my credit file the company who is registered as owning the account is linked to the ones that were collecting the payment so after 30 days of not receiving a response from this company I have emailed the company on my credit file asking them to provide the details of the account and have supplied my address the account is linked to and my current address and I have just received the response of:-

Can you please supply the reference number or account number as we have no account for either of the addresses you have supplied

so is this debt now unenforceable if I get them to put this in writing as I don't know the account number they are holding other than the last four digits reported to my credit file.

Neil_948

I have managed to find my original account number from the creditor so have passed this on and see what they say as I want to be debt free by Christmas.