Apologies if I am repeating a previous thread but I am after some urgent advice.
I have 4 DCA's that I was dealing with through a DMC. I have a lump sum available and have stopped using the DMC now and have been talking with the DCA's directly, I have came to agreements of partial settlements with 2 of them but as of yet I haven't paid anything to them.
I have been reading these forums and realise what I should have done is send a CCA request to them all before arranging partial settlements. My question is what happens if it turns out they have no legal right to collect