DCA advice needed, Style can't find CCA

[Markd55]

Hello fellow Caggers,

 

Has anyone got a good letter. Style Financial have now got there third DCA to send me a letter demanding payment. The last two went after sending a copy of the letter that Style sent me saying that my CCA was misfiled.

 

Anyone got a good letter telling them to take me to court or just stop sending DCA after DCA.

 

 

Any advice would be appreciated.

 

Markd55

[Markd55]

Sorry wrong Letter was posted above

 

[PGH7447]

send the new dca this letter

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute

[Markd55]

Thanks PGH7447,

 

I think that I've made a bad move. Once Style had sent me the above letter I didn't send style an account in dispute letter. I'm also thinking that style are of the opinion that they have forfilled there obligation being returning the £1 fee.

[cerberusalert]

That DN you have posted above is invalid. They have not given you a clear 14 days to remedy the default, they haven't allowed for service by post.

[Markd55]

Cerberusalert,

 

The above letter was posted wrong. it's the letter in the second post that is the right letter.

[cerberusalert]

I was just pointing out that the DN was invalid although it refers to a different a/c.

 

As for the second letter, they may well consider that the agreement remains valid, but unfortunately for them in law the debt is uncollectable because they cannot enforce a non-existent CCA.