i've been getting a lot of letters from DCA, I went off the rails about 18 months ago after a breakdown. I went on some what a blur which i am not proud of!
I took a load of pay day loans, maxed credit cards, overdrafts loans. I would say over 10,000 in total - not all at once.
I got my self sorted out and after 6 months i tried contacting some of them offering payment plans, a total of 9 creditors which i could spare 200 a month.
Most of them wanted more and would not stop the interest so my payments wouldn't go anywhere. I said i'll got to CAB and they said fine.
After a month or so, i went through a debt relief company and they tried again they would not freeze anything and my payments would go no where.
I told them to stick it and i've returned most of the post unopened. All the way through this i have been doing some research. DCA don't have the power to do anything, they can send who ever they like to the house but again they can't do anything unless informed by law.
You can revoke any invite to your property so they can be done of trespassing.
The biggest find was debt being sold, they act on the law of property 1925. However, they still don't have a leg to stand on and they will keep pushing you to make a new agreement with them which is then legally binding.
In T&C's it does state that the creditor may pass your debt to a DCA to chase this... "pass" is the key word.
For credit consumer rights act, there is no agreement between you and the purchaser of the debt. no signed contract, this does not always have to be the case but you have never agreed anything with that company or companies, no T&C's and all 3 parties need to have an interest in the debt
\what you will find on your credit report is that the original debt has been paid so they no longer hold an interest in you.
I have a lot of letters i have already used, if anyone would like me to post them i will