LETTER re:- CL FINANCE DEBT

moonrakermagpie

Hi, thank you for the replies,

Can I ask what exactly I should do next, as I am confused?

Can I first say:-

>>>>That I know that it would be best to correspond with the original creditor from now on.

That although we accept that the debt is in fact “E’s” and we are willing to pay the smallest amount possible per month, (or offer a cash settlement) it also would help “E’s” financial affairs if the debt was unenforceable for some reason<<<<

First question,

Am I correct in assuming that although “they” took 34 days to supply the CCA, this does not make the debt unenforceable full stop, ( i.e. “they” can go to court and obtain a judgement that would allow them to collect the debt, and the court costs would be added to the debt).

Second question,

Due to the fact that in my original letter to the DCA (Howard Cohen) I asked for:-

2. The deed of assignment allowing you (them) to collect this debt.

3. A statement of account.

Should it really be up to me to ask them again for this information, surely if they could supply it, they would have done?

Would it be a wise move to just wait for contact from either the DCA (Howard Cohen), or from CL finance? (Hoping that they never do!!)

OR is it the job of the debtor to chase the creditor/DCA for the documents?

I really do not know what would be the best next move or the reasons why.

Cheers

Steve

debt_doctor

You ve asked for the information and they have failed to supply. I would leave it to them from now on as until they produce what you have asked for the debt remains unenforceable.

Until this happens they have as much chance of enforcing this debt against me, nevermind you ! - and im definately not paying !!

Best

DD

moonrakermagpie

Hi thank you for that, unfortunately I have just posted of a letter stating that I have received the signed credit aggreement after waiting 34 days, but have not received the :-

2. The deed of assignment allowing you (them) to collect this debt.

3. A statement of account.

Is this a really big blunder or not.

I did state in the first line that my daugther did not accept the debt in any way

Many thanks for you help.

Steve.