Help! Taken to debt collection after winning chargeback twice

sourcrates

The debt is not owned by the collector, its just been passed to them for collection, DCA`s cannot, and do not take legal action, as they are only acting on behalf of their clients.

Debt purchasing companies however do take legal action, but that is not the case here, so aside from ringing you, and writing to you, there is literally nothing else they can do.

All this talk of court and CCJ`s is extremely premature, its usually a last resort, and should the original client get legal, they must follow the civil procedure rules.

You have basically reached stalemate here, they say one thing, you say another, only a court can decide this one way or another.

My suggestion would be to gather as much evidence as possible, copies of the chargebacks etc, and keep it on file just in case they fancy their chances before the beak.

Until that happens, you have no further business with them, or the collector, both can be ignored, unless a "letter before action" turns up, in which case you would follow the civil procedure rules process, then the court process if necessary.