Hello - first post but need some advice. I have two old credit card debts with Barclaycard that they have sold on to a DCA. CCA request sent to DCA has come back from Barclaycard via the DCA stating that debts are not enforceable as they cannot provide the information requested. DCA has now issued default notices for both and I have responded to state that a new default cannot be issued for a debt where Barclaycard have already issued defaults (and they have now dropped off after 6 years). I have also stated that they have confirmed the debts are not enforceable and that I have not got any agreement with them. Finally, have checked credit report and Barclaycard have flagged debts as settled. What action can the DCA still take ?

Probably too late now but after a bit of stupidity on my part that resulted in the loss of £69.99 of my valuable funds to Myloans, I have managed to get back £64.99. To achieve this, I 1. E-mailed the correct address with a copy of the terms and conditions, cancelling within 14 days. 2. After getting no response I e-mailed again but this time informed them that for every day after the 30 days they fail to pay me the refund, I will charge them an admin fee for having to remind them. 3. Enhance then sent me a questionnaire to complete to get the refund - I declined and reminded them that I had met the requirement in item 1. 4. They then advised they would refund after 30 days of the day i sent them a reminder - I referred them back to point 1. 5. They finally agreed to send me a cheque within 30 days of the day I first terminated the agreement less £5 for the assistance they had provided so far. I accepted this. Cheque arrived on time - cost to me is £5 plus some e-mails and red faced for being so stupid in the first place. Also cancelled/replaced Debit card to ensure they couldn't try and take money off me again.