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Response from DCA from my letter regarding
bassbassbass
Posts: 19 Forumite
Hi All,
Was wondering if anyone could offer some advice….
Back at the beginning of the year I had contact form a DCA who were acting on behalf of another DCA to chase money for a loan taken out in 2008.
I’m not sure if I paid it off but don’t think I did and if I didn’t then I’m sure it would have been 2008/2009 when I would have stopped paying.
I’ve not heard about this loan since then and so I sent a letter (attached to an email) to this DCA quoting the limitations act to provide evidence that I have had communications with them in the last 6 years regarding this debt.
After 4 months they have sent me an email with a copy of the loan agreement and a statement from the DCA they are working on behalf of.
So no proof of contact -what next steps should I take?
Cheers
Was wondering if anyone could offer some advice….
Back at the beginning of the year I had contact form a DCA who were acting on behalf of another DCA to chase money for a loan taken out in 2008.
I’m not sure if I paid it off but don’t think I did and if I didn’t then I’m sure it would have been 2008/2009 when I would have stopped paying.
I’ve not heard about this loan since then and so I sent a letter (attached to an email) to this DCA quoting the limitations act to provide evidence that I have had communications with them in the last 6 years regarding this debt.
After 4 months they have sent me an email with a copy of the loan agreement and a statement from the DCA they are working on behalf of.
So no proof of contact -what next steps should I take?
Cheers
0
Comments
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bassbassbass wrote: »Hi All,
Was wondering if anyone could offer some advice….
Back at the beginning of the year I had contact form a DCA who were acting on behalf of another DCA to chase money for a loan taken out in 2008.
I’m not sure if I paid it off but don’t think I did and if I didn’t then I’m sure it would have been 2008/2009 when I would have stopped paying.
I’ve not heard about this loan since then and so I sent a letter (attached to an email) to this DCA quoting the limitations act to provide evidence that I have had communications with them in the last 6 years regarding this debt.
After 4 months they have sent me an email with a copy of the loan agreement and a statement from the DCA they are working on behalf of.
So no proof of contact -what next steps should I take?
Cheers
Hi,
If you believe there has been a clear 6 years without payment or written acknowledgement by yourself, then send them a copy of this letter :
https://www.nationaldebtline.org/EW/sampleletters/Pages/Time-has-run-out-to-recover-the-debt-(sole-name).aspx
You do not have to prove anything, the onus is on them to prove it is not statute barred, see what rubbish they come up with now.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 -
Hi Sourcrates,
Many thanks - much appreciated.
THat's the same letter I sent in February so just send again with new date?
Many thanks0 -
bassbassbass wrote: »Hi Sourcrates,
Many thanks - much appreciated.
THat's the same letter I sent in February so just send again with new date?
Many thanks
Ah, well in that case, just add a line or two at the top to say you have written before telling them its SB, if they continue to chase payment on this debt you will have no other option but to escalate the matter to the Financial ombudsman service (FOS) :
http://www.financial-ombudsman.org.uk/consumer/complaints.htm
who will investigate the matter to a conclusion, on your behalf.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 -
nice one - thanks very much for your help
0
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