Thank you. But in the UK I am solvent. I have a full time job and good credit score. I don't want to bring the insolvency in the UK.

Can I start by sending a CCA request to the DCA? I am sure they don't have the documents in the proper form and would struggle to get them.

I would like to the use the Consumer Credit Act template

In Spain I am bankrupt. The debt was contracted in Spain and any contract they may have are in Spain and according to Spanish law.

I think they realized I am bankrupt in Spain so they are trying their luck in the UK. I never signed anything in the UK, contracted a debt or something.

In the UK I am clean and have a full time job. I would like to clean my past life in Spain also but it won't work if I ma bullied by collection agencies.

Yes, the company is registered and doing business in Spain.

Hello guys,

This is my first post in this forum.

I used to live in Spain were I lost my job and couldn't repay some debts.

Now I live in Britain and my situation is better as I have a full time job. I repaid part of my debts back in Spain but not everything.

Yesterday, I received a letter from a British collection agency asking for immediate payment of a debt incurred in Spain (credit card actually).

I am not evading the debt or something. I even paid part of it a few months ago. However, the Spanish bank is chasing via this collection agency.

What to do here? Is the debt enforceable in Britain? Because in Spain I have a judgment of personal bankruptcy. So no one can chase me for a debt in Spain but I am surprise by this move.

I continue paying but I would like to know how to remove this collection agency form the equation.

I thought about this:

Consumer_Credit_Act_template on this website (I can't post the link)

As I don't think they have the proper documents formatted to the British law and usages.

Also the figure they sent doesn't take in account what I paid already. So I don't recognise part of this debt.

Thank you for your input