I had a CCJ taken out against me in 1998 for for a bank loan I took out in 1996.The order was for £10 a month which I have been paying ever since.
Since then, the debt has been sold on to 8, 9 or even 10 DCA's, so many I can't accurately recall.
The last time the debt was sold on, the DCA contacted me for payment, at which point I notified them that there was a CCJ in place that was being abided by.
Having to explain this to so many DCA's was becoming annoying so I asked why the relevant information wasn't being passed from one DCA to another, since that's their responsibility.
I also enquired as to what information the DCA did possess with regards to the debt, and this turned out to be very little.
At this point I started to question what proof the DCA could provide that it was entitled to collect the debt and also questioned (since there was very little in terms of a paper trail) the amount I actually owed, no copy of the CCJ was ever passed on and no Notice of Assignment was ever issued to me when passing from one DCA to another.
The debt has now been sold again but to another company that the current DCA is also a part of, this time with a Notice of Assignment, of course.
Now, considering the claimant on the CCJ was a different entity entirely and the DCA has very little in the way of accurate information
with regards to the debt and with no previous Notice of Assignment being issued,
1. Is it still able to legally persue this debt (not being the claimant on the original CCJ)?
2. Does a recent Notice of Assignment mean anything if none were previously given?
3. Am I entitled to proof that the DCA does have the legal right to collect this money (i.e. Notice of Assignment for each time the debt was sold on)?
4. Am I entitled to proof of how much I still owe (more than just a letter from the new DCA, i.e. statements of payments I've made dating back to the first payment I made under the CCJ)?
I accept the debt needs to be paid, but how do I know it is the DCA I should be paying and how confident can I be in the outstanding amount,
if they have very little evidence of ownership or previous payments made (my neighbour could say they bought the debt, how would I know I should or shouldn't pay them)?
(Also posted on MSE)