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Found 1 result

  1. Hi, I am dealing with a DCA on behalf of my father. The debt is in his name but he was helping me try and keep a business afloat so I have been servicing the debt. Here's where we're at: The debt was with a credit card company but the company sold the debt to a DCA in Sept/Oct The DCA wrote to my father advising them that they now held the debt and would be writing further. Nothing else was received from the DCA until early December when they sent a totally incorrect '. ..despite numerous attempt to contact you...' letter. I wrote to the DCA enclosing a letter from my father authorising me to deal with the debt on his behalf, also stating that he and his wife were finding it too stressful to handle (she has a heart condition and the debt issue is upsetting her). The letter also instructed that all correspondence be only sent to my address and that the DCA should restrict correspondence to letters only. I also enclosed a SAR. The DCA acknowledged the SAR and authorisation letter. I have discovered from my father that he has not had any statements or other correspondence from the credit card company for perhaps several years so I was hoping the SAR response would contain relevant info, but it just consists of a set of screen prints from the DCA's system. Related to this, I am mindful that Northern Rock (not involved here) recently had to cough up due to cockups with their statements and the situation here may be similar. Late Dec, despite acknowledging they would only deal with me, the DCA wrote to my father offering a monthly settlement figure - his wife was again very upset. They passed the letter to me without replying. SO.. What should the DCA be sending me to verify the debt and its value? Should I contact the CC company for other documentation/statements or is the matter solely for the DCA now? I'm not trying to avoid paying the debt and don't particularly wish to stir things up, but I don't really have any concrete info on anything (so is the debt 'in dispute'?), plus what, if anything should I do about the DCA still contacting my parents? Thanks.
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