can old debts be removed even if they are being paid

sandwood

I have some debts from 20 years ago that I am still paying, recently I tried to claim back PPI on one of the accounts but no one has any records of the account but I am still paying the debt back to a debt collection agency, if no records exist do I still have to carry on paying the debt?

Thanks

glentoran99

send them a CCA request and if they cant provide it stop paying

sandwood

glentoran99 wrote: »

send them a CCA request and if they cant provide it stop paying

Hi, What does CCA stand for?

glentoran99

Consumer credit agreement, basically the paperwork, if they cant produce it they cant enforce the debt

sandwood

glentoran99 wrote: »

Consumer credit agreement, basically the paperwork, if they cant produce it they cant enforce the debt

Hi
Would you know if there is a template letter I can send them?

Thanks

PixelPound

glentoran99 wrote: »

Consumer credit agreement, basically the paperwork, if they cant produce it they cant enforce the debt

You are assuming the debt is covered by the CCA, this is only for credit agreements and such. Lots of other debts, e.g. telecoms are not covered by the CCA (technically some are but the majority aren't) and that doesn't stop the debt being any less enforceable.

glentoran99

sandwood wrote: »

Hi
Would you know if there is a template letter I can send them?

Thanks

https://forums.moneysavingexpert.com/discussion/709639/cca-letter-template

glentoran99

nic_c wrote: »

You are assuming the debt is covered by the CCA, this is only for credit agreements and such. Lots of other debts, e.g. telecoms are not covered by the CCA (technically some are but the majority aren't) and that doesn't stop the debt being any less enforceable.

You're right, but presumably as he was querying PPI it would be a logical assumption Don't really get that with phone contracts

sandwood

nic_c wrote: »

You are assuming the debt is covered by the CCA, this is only for credit agreements and such. Lots of other debts, e.g. telecoms are not covered by the CCA (technically some are but the majority aren't) and that doesn't stop the debt being any less enforceable.

Hi
It would be for Credit cards/Catalogues & a loan which I have assumed that they are covered by the Consumer credit agreement.