Response from DCA from my letter regarding

bassbassbass

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

sourcrates

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.

bassbassbass

Hi Sourcrates,
Many thanks - much appreciated.
THat's the same letter I sent in February so just send again with new date?
Many thanks

sourcrates

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.

bassbassbass

nice one - thanks very much for your help