DCA's asking me to prove my debt

[themole1]

I have had numerous phone calls and letters from Apex Credit Managment saying I owe them £2,300. Sent template letter on the 12th March asking them to provide a CCA, including £1 postal order. A couple of days later they sent my letter back including the £1 postal order stating as follows:

 

I write in connection to the aforementioned account and your request for a copy of the original credit agreement.

 

I can confirm that this request needs to be made direct to the Royal Bank of Scotlan as they are the principle company with whom the agreement was reached. Your request will need to be made in writing to the address below along with the applicable fee made payable to the "royal Bank of Scotland".

 

I wrote back to them saying that the burdon of proof is on them to supply a true copy of the original CCA agreement and if you think for one minute that im going to do your leg work for you you are sadly mistaken.

 

Apex Credit are going to have a very hard time trying to prove this debt as there is no credit agreement, this was for a overdraft of approx £1300 for reclaiming bank charges (i would not of been overdrawn if it hadn't been for such high bank charges) and the banks put a stay on it, so this £1300 is technically still in court. It just makes me so angry, not only with DCA's but with the banks as nobody communicates with each other, oh and by the way I have also had Triton hassle me for this debt too. The OFT needs to tighten their belts with DCA's as they are getting away with murder and abusing their position and I only have this forum to thank....

[mr.ton]

Thats what we are here for.

Long may the DCA's not rule supreme over the public anymore.