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DCA contact over unenforceable debt
nnop72
Posts: 56 Forumite
I have been contacted by a DCA regarding a debt that the original creditor acknowledged was unenforceable. Is there a standard 'prove it' reply I can send to get them to go away?
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I have been contacted by a DCA regarding a debt that the original creditor acknowledged was unenforceable. Is there a standard 'prove it' reply I can send to get them to go away?
Hi,
In what way is it unenforcable ?
No credit agreement ?
Do you have it in writing from the OC that this is the case ? As the DCA will require proof.
If you do, send a copy of that letter to the DCA with a covering letter, if you don't, you may have to go through the CCA process again.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Yes, I have a letter from the OC stating no cca and unable to reconstitute. I will send a copy of the letter0
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