can someone just clarify this please

SPANIEL36

hi, i kinda know this already in my mind but i suppose i just want a little reassurrance that i am right. If i sent a CCA request off to a catalogue company and they failed to supply it, that means its un-enforceable until it is produced....am i right so far???

If that catalogue company then sells it on to a DCA and they demand payment and i send another CCA request off to the DCA then surely they still wont be able to provide it and the debt still be un'enforceable??

I've had 3 companies all be unable to provide the info requested and they've now passed it onto different DCA'a 2 of them i've sent off a CCA request which have been delivered, one sent an acknowledgement of receipt and a court demand letter both dated the same but arrived different days (and in different type font )
The other hasn't sent acknowledgement just a court demand letter (if you dont respond in 7 days we have no alternative but to issue court proceedings)

so basically what i'm asking is, if the origonal company cannot provide CCA then the DCA's wont be able to provide them either??

Burlesque_Babe

no, they won't be able to. If one doesn't exist with the original creditor, they can't magic one up - just never sign the letters with your signature - just in case

SPANIEL36

no i never do although i did wonder about the cheque i sent, i should've really sent PO shouldn't i?? the origonal creditors didnt attempt to copy my signature onto an application for but these might??????

itsnever2lateisit?

If you have disputed the debt then under OFT guidelines they should not be passing the debt on nor should they be chasing until the dispute is resolved

SPANIEL36

2nd Letters Sent