connaugh/1st credit

[ck&ll]

if i as the dca say have admitted a debt to them is it legal if this was done by someone else eg the wife when i was in hospital or i was in ill health at the time and still am-any advice welcome or am i buggered?

[vselym]

ck&ll

 

how did the other person acknowledge the debt ? was it verbally ?

[ck&ll]

they wrote us threating letter she wrote back saying that all they could have is 5 per mth

[vselym]

ck&ll

 

as it was written it may be an admission, was the account solely in your name though ?

[ck&ll]

yes

[vselym]

ck&ll

 

i would send a SAR to the dca, and across the top write "I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY"

 

depending upon whether its a credit card or loan, a CCA request aswell with the same phrase across it

 

sar will cost £10 send recorded delivery

cca will cost £1 send recorded delivery

 

see what they turn up

[miss muppet]

And don't sign the requests, print your name or use a digital signature and send postal orders!

[boyboynova]

SAR the OC not DCA

CCA the DCA

[vselym]

boyboynova

 

my suggestion of the sar to the dca was to see whether the "acknowledgment" was recorded

[boyboynova]

I doubt the DCA would have all the correct paperwork to fullfill a SAR request,and be a waste of £10.Thats why I suggested to SAR to OC and CCA DCA.

[vselym]

agreed, but why not let the dca fail to comply with a SAR , then stick a complaint into the ICO, keeps them on the backfoot

[boyboynova]

To be honest a good old CCA request normally puts DCA on back foot

[babybear39]

Unless the DCA has express written permission for someone else to act in your name they cannot do an f'*** thing