Unenforceable debt texts threatening legal

Suseso

About a year ago I wrote to my debtors and asked them to provide the CCAs. Neither Link nor Cabot could provide the CCAs and said the debts were unenforceable. I ignored all phone calls for a month and haven't heard from Cabot since. Link have been more persistent but I've carried on ignoring them and got a text from them yesterday saying if I continue to ignore them then my account will be passed to their pre-legal team to assess the account for potential legal action. Is there a reminder letter I can send reminding them that the debt is unenforceable and not to contact me again until they can provide a CCA? 
I did a search but only statue-barred letters came up.
Thank you 

pmartin86

If they have not been able to provide the CCAs then they can threaten whatever they want, they cannot take action without them.

https://nationaldebtline.org/fact-sheet-library/credit-agreements-getting-information-ew/

"If the creditor does not send you a copy of your agreement and a statement of account within 12 working days, then they are not allowed to take further action against you to enforce the agreement in the court until they do so.

If there never was any written agreement, the creditor cannot send you a copy. If this is the case, the creditor should tell you. But, if the creditor has simply lost your agreement, they must provide a ‘true copy’ with the same details.

In the meantime, the creditor cannot:

• make you pay off your debt before you’re supposed to;

• get a court judgment against you; or

• take back anything you've hired or bought on credit, or take anything you used as security (like your house) when you took out the agreement."

fatbelly

You can just ignore texts

If you get a formal preaction letter it will come through the post with a reply form that you can use to tell them that court action will be defended

I doubt you'll get one, because their notes will tell them it is unenforceable. But you never know.

Suseso

Thank you so much, I'll continue to ignore then. 😊 

sourcrates

Just keep in mind you only need respond to letters, nothing else.