Can i ask these DCA's to provide proof if i have been paying for years?

[Blondmusic]

I have had letters from various debt collectors regarding a debt i allegedly owe.

 

 

It all started with a letter from Buchanan, Clark & Wells (BCW) on 2/7/07.

 

 

I sent a reply on 10/7/07 asking for any proof that i owe the debt but they did not respond.

 

 

I received a letter from Wescot Credit Services dated 4/12/07 regarding the debt i allegedly owe

but i asked for proof and they did not respond either.

 

 

I got another letter from BCW dated 2/6/08 and I again asked them to provide proof

but i only got a letter from a solicitors dated 23/6/08 asking me to contact BCW.

 

 

I sent a letter to BCW dated 27/6/08 asking them to provide proof again but they did not respond.

 

 

I got a letter from BCW dated 13/8/08 and i replied on the 14/8/08 telling them to provide proof within 28 days

or i would be contact my local Citizen's Advice Bureau to deal with them.

 

I then received a letter from Scotcall Debt Collecting Services dated 28/8/2008.

I replied to that letter on 2/9/08 asking for proof that i owe the debt.

 

 

I received no response from Scotcall so i sent them another letter requesting proof on 3/2/09

and i sent another letter on 10/3/09 asking them to provide the proof i have requested or close the case.

 

All these companies just ignore my requests even though i am putting it all in writing as i do not deal with these companies on the phone.

 

 

What can i do to get a response from them?

I feel like i am in limbo as they will not provide proof but they won't close the case either. I am sick of them.

 

 

They are just passing the debt around so i get letters from several companies.

[RW Fugitive]

They obviously can't prove the debt, so keep passing it around.. someone more knowledgeable will be along soon, I'm sure...

[42man]

Next time they write state that they are ignoring your letters and if you have to write to them again you will charge them £30 for each one.....

 

Or you could write them a LETTER BEFORE ACTION if they are threatening....especially with the recent court case against British Gas - (you could make them aware of this too !!) - Woman sues British Gas for harassment over repeated letters and bills - Telegraph

[lickthewallfatboy]

a DCA ignoring your letters????

 

whatever next eh?

 

[Blondmusic]

Please can someone help me as i want to put an end to this once and for all!!

[sportsflash1]

DCA's really hate to admit defeat and tell you they don't have any proof of an alleged debt and will avoid doing so if possible.

 

Maybe a complaint to the ICO would force them.

[Blondmusic]

How would i go about that?

[sportsflash1]

Try this https://www.ico.gov.uk/Global/contact_us.aspx

[Blondmusic]

Thank you. Next time i get a letter from one of the agencys i will contact the Information Commissioners Office about them. Thanks again.

[palomino]

The ICO won't do a lot I'm afraid.

 

If the DCAs are ignoring you then I would ignore them. If they really had something on you they would be far more persistent.

 

In fact I am ignoring them - exactly the ones you have mentioned.

[Blondmusic]

I have 7 debts which i have been paying off for many years.

3 of the debts are being collected by Robinson Way,

1 by Go Debt,

1 by The Lewis Group and

the last 1 by C K Edrupt.

 

 

I have been paying them £1 every month after i went ot my local Citizen's Advice Bureau in 2004 for help

as i was getting many phone calls from Robinson Way.

Citizen's Advice just made the offers then after 2 years left me to manage and i have just been paying them.

 

1st debt, Abbey National bank account, I owe £194.

2nd debt, BT, I now owe £12.

3rd debt, Britannia, I owe £90.80 (all been collected by Rob Way)

4th debt, London Scottish for a loan, I owe £753, collected by Go Debt.

5th debt, Greenwoods for a loan, I owe £238.75, collected by C K Edrupt.

6th debt, Readers Digest, I owe £35.98, collected by Wescot.

7th debt, Shopacheck for a loan, I owe £1733.86, collected by The Lewis Group.

 

I took all the loans out when i was still in a well paid job but then the comapny went into administration and closed so i was left with nothing.

 

I have been reading through these forums and i wonder should i write to all these DCA's and ask them to provide any proof that i do indeed owe the debts? What is a CCA? Can anyone help me?

[Undercover-Elsa]

Hi Blondmusic,

Looking at the list, I think the general consensus here would be

to send a Subject Access Request to Abbey National re the bank account (CCA not relevant to bank accounts) to check if there's any penalty charges you can claim back (they may well end up owing you);

Just pay off the BT one and maybe the Readers Digest one;

The loans - send CCA requests.

Don't forget the golden rules..PO's not cheques - don't sign anything - print your name.

All the best

Elsa

[Blondmusic]

How do i do that? Are there any template letters i can use? How much should it cost me? The Abbey bank account was mostly overdraft charges and unpaid Direct Debit charges.

[cerberusalert]

CCA request = £1 send to whoever you are paying now.

SAR = £10 Send to original creditor

Letters = The Consumer Forums - Debt collectors

[Blondmusic]

Thank you very much. I will get those letters sorted as soon as i can.

[Undercover-Elsa]

Hi Blondmusic,

The Subject Access Request costs £10 payable to the Abbey National.

The Template Letter is here: http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request-.html

 

The CCA requests cost £1 each and the template is here:

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter.html

 

Send the CCA's to the debt collectors.

Send all by recorded delivery and save the PO/RD receipts as evidence.

Elsa x

[Undercover-Elsa]

snap

[Blondmusic]

I will do. I always send important stuff by recorded. They are not going to pull a fast 1 on me.

[Blondmusic]

I have just been going through paperwork regarding the Abbey account which Robinson Way are collecting. On a letter dated 22/11/2004 it says 'Due to ABBEY', on the next letter it says 'Due to ROBINSON WAY EX ABBEY'. Does this mean that Robinson Way now own the alleged debt and not Abbey? Should i now send a CCA request to Robinson Way instead of a Subject Access Request to Abbey?

[babybear39]

Bank accounts aren't covered by the CCA so you need to SAR Abbey.

[Blondmusic]

Ok. I am sure i can manage that.

[babybear39]

Good luck with them all. A little tip for you - buy some cheap folders and keep a front note page in each one to note down exactly what action you've taken, letters recieved and sent etc

[babybear39]

With regard to your thread title question, you can ask the DCA or OC to provide a full statement of the acount for as long as they've been handling it. This is one of the things that the CCA covers but a lot of the DCAs and OCs don't bother sending them.

[Blondmusic]

OK. I will keep those points in mind. I have a folder for paperwork and all my letters are on the pc which is regularly backed up.

[babybear39]

For peace of mind I always print off a hard copy and staple it to the postal receipt