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Deed of Assignment question
bentalls
Posts: 70 Forumite
Afternoon, all!
I requested a copy of the CCA and Deed of Assignment from a DCA - after much faffing about, all we recieved was a copy of the CCA. They sent with it a letter stating that as they were not the 'owners' of the debt, they are not obliged to send a copy of the Deed of Assignment, and that they were not in breach of the data protection act...
I'm a bit confused now!!:o If they do not own the debt, how can they be chasing us for the money?? Could anybody shed any light on this, please? What should my next move be? As the CCA is a true copy, should we just now pay it (and who to??!)
Thank you
Bentalls
I requested a copy of the CCA and Deed of Assignment from a DCA - after much faffing about, all we recieved was a copy of the CCA. They sent with it a letter stating that as they were not the 'owners' of the debt, they are not obliged to send a copy of the Deed of Assignment, and that they were not in breach of the data protection act...
I'm a bit confused now!!:o If they do not own the debt, how can they be chasing us for the money?? Could anybody shed any light on this, please? What should my next move be? As the CCA is a true copy, should we just now pay it (and who to??!)
Thank you
Bentalls
Is that a light I see at the end of the tunnel?;)
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Comments
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If an account is sold or assigned you have to be informed in writing, so you should have had a letter to say this, at this stage they do not have to comply further. If your CCA is correct then you have no alternative but to continue paying unless you want to go to court? Have they said who they are acting for? it could be the same company but under a slightly different name i.e. Asset Link and Link Finance.June 2005 = 48K of Debt
Sept 2006 Started dmp = 56k of Debt (inc fees and charges) DFD April 2030:eek:
May 2008 = <5k of Debt (CCA route -48K, paid off 3K) DFD April 2010
Nov 2008 Lloyds found CCA for 14K loan:mad: New DFD Jan 2016
Happy so far tomorrows another day
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As far as I can tell, they are separate companies. We certainly never got anything form either of them saying it had been transferred...Hmmm... There is now no question that we owe the money, and are willing to pay it back - however, there is a wee tiny part of me that wants to make it as difficult as possible for them, as they have been so blummin' nasty. Does that make me bad?!Is that a light I see at the end of the tunnel?;)0
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As kel123 says, you should be sent a letter that is the "notice of assignment".
The "deed of assignment" is the agreement between the the original creditor and the new one. The only time that you have the right to request this is if it goes to court.
We really need some more details here.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
The DCA are acting for the OC . The OC should have informed you that the account was to be passed to this collection agency. But as they have not purchased the account they have no assignment to show you . You could contact the OC for comformation.By LETTER ONLY .0
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Ok, thank you. Sorry for the delay in answering, I'm on nightshift tonight, and I was asleep!Is that a light I see at the end of the tunnel?;)0
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