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  1. This is my first post after many years membership. Please forgive if I have it wrong or in the wrong place. I have searched but found no answers. Can anyone advise what legal framework exists to protect me after a default? Details: - Lost job, couldn't pay credit card debt (Halifax), set up DMP with CCCS and Halifax agreed. Halifax defaulted me and then cancelled agreement. Debt was eventually handed over to Blair, Oliver, Scott (Halifax in-house DCA) who also agreed the DMP. As my CCA no longer exists, what, if any, legal protection do I have. e.g. If I ask for a statement do they have to provide it? If I ask for my original agreement, same question. I know they are supposed to abide by OFT & FSA guidelines but can I use any other legal framework to force them to behave (they are becoming a nuisance with constant phone calls even though I have written to request only written correspondence). Thanks in anticipation.
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