request ccas, debt suddenly gets passed back to the original lender

rizla_king

Wow. Marlin must really think NRAM passed them a duff account to do that!

Maybe CCA NRAM now then before they sell it to another DCA?

AngryDog

Mackenzie Hall were acting for Marlin, so maybe I am wrong? Maybe I should call Mackenzie Hall to find out who has what?

happy_bunny_2

Maybe wait for the next letter. Then clarify who owns the debt and who is collecting for who. Then, once you have that, CCA the !!!!!!s

AngryDog

Thanks HB. I'll wait, best cancel my standing orders for those payments as well!

AngryDog

Out of interest, should I still pay the DCA who has responded to my CCA request, as my payment date falls on working day 12 of my request.

Thanks.

happy_bunny_2

What did they respond with?

Powered_By_Pies

AngryDog wrote: »

Out of interest, should I still pay the DCA who has responded to my CCA request, as my payment date falls on working day 12 of my request.

Thanks.

If they came back with a watertight CCA that proves the debt is yours and it isn't SB'd then I'd guess so. If not, don't pay, and write a letter to them saying the account's under dispute due to lack of a credible CCA.

It does however sound like you spooked them when they went to the file they have on you to get the CCA and found nothing there. Sounds like they know it's unenforceable and aren't bothered because you sent them enough to make them think you know your eggs and could catch them out.

In short, it sounds like it may be unenforceable in court....

AngryDog

No, they just confirmed that they would contact hsbc for the cca

happy_bunny_2

Up to you. Could pay this one , unless it's a lot, then not pay the next if they fail to supply.

eyeopener2

I wouldn't' pay this one.

If they know that you know the debt could be unenforceable, and not paying sends that message in spades, then it gives you massive power in any negotiation or a simple unenforceable so #### off.

Just an idea really.