This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Thanks for all the advice in here guys, I've written to all the DCA's requesting information on who actually owns the debt, so that I can approach them for repayment of excess charges. I'll note back here what happens, and how I get on with my claims in due course. Incidentally, I notice that a number of people mention Cabot purchasing their accounts - there is a standard letter on DebtHelpUk forums that you should send to these parasites that should throw them off their stride: http://www.debthelpuk.co.uk/cgi-bin/yabb/YaBB.cgi?board=On_Topic;action=display;num=1132168759

I'm not sure if they have to or not.. at least one of mine has written to say they have purchased the account - hence my questions above. Incidentally if any of your accounts do get purchased DHUK have some good sample letters you can send to the purchaser http://www.debthelpuk.co.uk/cgi-bin/yabb/YaBB.cgi since if they dont have all the paperwork done correctly the debt may be unenforceable. Off-topic a bit but possibly helpful to others.

thanks.. so even if the debt has been purchased by a collector, I should still be asking the bank for the charges back? technically I never paid the charges, although I still owe them - to the collector now, rather than the bank. Presumably since the bank sold the debt to the collector, they have been "Paid" for the extra charges, even though not directly from me?

I got myself in a financial pickle a couple of years back and unfortunately defaulted on a number of my creditors. Obviously I've been reamed over for charges - some of which have increased the total amount oweing by as much as 25-30%. I was very interested and encouraged to read through this site - and I am already taking some of the steps outlined here to see if I can recoup some of these exorbitant costs. My question is: some of my accounts have been "sold on" to collectors - so that the amount currently oweing is no longer "owned" by the bank or CC that made the charges. I'm therefore wondering to whom I should be making my requests for charges to be credited to - the current debt collector/owner - or the original bank? Would this also apply to DPA request for details of all charges made against my account? assistance or advice will be greatly appreciated.