old Debt in default,sold on

[domyheadin]

I have been hasled for 15 months now by different debt collection agencies over a dispusted debt that barclays says I owe.

Barclays first made contact throu Debt managers in March 2007.

I immediately ask for a copy of a C.C.A to which they could not produce.

I heard nothing from them again , about 3 months latter a different D.C.A contacted me about this debt on behalf of Barclays. I wrote back stating this debt was in dispute with Debt Managers and that they needed to hand the account back to Debt managers to resolve. They wrote back stating that they did not need a C.C.A. and that one did not exsit.

For the next 9 months or so I had 3 more D.C.A stating that they were now acting on behalf of Barclays and all contact had to go throu them along with the usual scare tatics threating to take me to court. Each time I wrote of stating the account was in dispute and they had to hand it back to the original D.C.A ....Debt managers , for the account to be resolved.

 

Last week i received yet another letter from yet another different D.C.A (lowell finance) stating they were acting on behalf of there client Lowell Portfolio and that I had to contact them to discuss setlement of the outstanding balance. I was going to fire of the usual letter stating this account was in dispute but I received a letter of Barclays Bank saying they have sold the account to Lowell Portfolio. Yesterday I received another letter from Lowell finance saying as I failed to reply to there previous letter they may send a agent in the area to visit my house to discuss settlement of this account.

 

What I would like to know is , can a account be sold when it is in very serious dispute like this. 15 months after the orginal request for a copy of my C.C.A that all 5 of the D.C.A. have failed to supply, and what can i do to stop them sending people to my home. I would send of a letter asking for a copy of a C.C.A over this matter but feel this is a waste of time .

Is there anything I can do to end this matter once and for all, any help would be really appreciated.

[2Grumpy]

Hi Domyheadin

 

Is this a credit card / loan or an overdraft?

 

You could either send the CCA request to Lowell or write to them to give them the good news that the account was in dispute & there is no CCA.

 

You can send one of the letters that you will find around the forum to stop them visiting (they probably won't anyway) and ensure that they communicate in writing only.

 

You have probably noticed that Lowell Portfolio bought the loan and Lowell Finance are collecting! Any CCA request would go to Lowell Finance.

[domyheadin]

tks grumpy , I am still in a quandry over what to do. what I can not understand is how a debt can be sold on like this when it is in dispute, also do I really need to ask for a copy of a C.C.A. when another D.C.A. has failed to supply already. this matter concerns a loan taken out by me with Barclays Bank. I have been looking around the site and cant seem to find a letter suitable to this matter. What I would like to tell them is that the debt is in very serious dispute and no action can be taken by any one except the original D.C.A. and only when they comply with my request for a copy of the C.C.A. . Also if they send a agent to my front door regarding this matter that will be viewed as harrasment, and I will be informing the relevant authorities