Two DCA on case now

rayday2

Just wondered if anyone had any advice its a little odd.

I had an Abound catalogue which was included in my DMP, they sent it over to a DCA about a year ago Intrum Justitia which have been happy with payments. Today I got a letter from SRJ Debt Recoveries with a balance which looked similar to this account, I never normally ring them but thought I would double check this was what they were writing about because all the letter basically said was they would take action unless I payed now.

When I rang I just asked them who the debt was from they said Abound never mentioned Intrum Justitia and said OK you need a letter from me then and she seemed to hesitate and I put the phone down. Felt a bit odd so I rang Intrum Justitia to make sure they had passed the account over. They were very nice on phone said no they were still on the account keep making payments and that they would send out a statement that I could send to SRJ to prove the account was being chased. She reckoned companies sometimes did this to see if they get lucky with more payments.

What what you do keep paying Justitia and ignore SRJ or something more fancy?

trying-very-trying

I would ignore them, just now at least. Maybe if they think you're suspicious they'll drop it (or is that just wishful thinking on my part)

madmoney_2

i agree with tvt, they are just out to make an extra buck

mm

rog2

It certainly looks as if SRJ are trying to 'scavenge' an easy buck out of your situation, rd. It is against the OFT Debt Collection Guidelines to use more than one dca to pursue a debt at the same time.

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf


If it continues, you can report SRJ to Trading Standards.

rayday2

Have added that to favourites thanks. So would you continue paying first DCA that debt was originally sold with and see if SRJ go quiet.

I would have thought complaint should be with original debt company for getting two on the case, or am I barking up the wrong tree here? SRJ only mentioned Abound they never mentioned the other DCA.

Thanks for your time and apologies if questions are answered in that link which I promise I will read later when the house is much quieter!

rayday2

Ok sorry to dredge this up again its two days on and another letter from SRJ I know they can't take legal action but what should I do complain to original debtor for setting two on the case and write to both DCA or just one - sorry to be a pain not had experience of this.

rog2

Complain to the ORIGINAL Creditor, with a copy to both DCA's.
If this persists, then talk to Trading Standards.

rayday2

Thanks you are a gem sorry to be a pain but would you send payments to anyone in the meantime I am worried they may not go where they should but I don't want to go back on my agreement.

Sorry to be taking so much time!

jo1972

Hi,

This has been happening to me recently, I've got 3 DCA's on my case about one debt so I wrote to them requesting a copy of the original signed credit agreement. I got the letter off of National Debtline, I'll copy and paste it....

The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Account No: 4563210025897412

Dear Sir/Madam

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied. We understand that under the Consumer Credit Act 1974 [sections 77−79], we are entitled to receive a copy of any credit agreement and a statement of account on request We enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974. We understand a copy of any credit agreement along with a statement of account should be supplied within 12
working days.

We understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

We look forward to hearing from you.

Yours faithfully

HTH & good luck

Jo.x

rayday2

Ok sorry should have posted with above I have my folder out and its a tad more complicated.

Original debt was with Abound catalogue,

Then had correspondance from there arrears team - fine

Then NDR (Nationwide Debt Recovery LImited) - near same address as above

Then a company called GCC Debt Recovery Limited

Finally Intrum Justitia and now the SRG so would you go right to the top Abound again or there collection department?

rayday2

Thanks Jo for that you reckon in that letter I should write that I do not know who is dealing with the account anymore as there are so many DCA (I do expect to get a signed copy of credit agreement - pretty sure anyway)

Also in this time did you still send payments?