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DCA Listed Old UK Non CCA Debt as Collection on Canadian Bureau

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Before leaving the UK we tried to settle with UK creditors usually letters and statement of our finances. None were willing to frezze interest or accept a good will reduced payment arrangement until we were better able to repay debt. After trying and failing to get them to accept any affordable offer we started to surf the net and found this web site. We sent various CCA requests to creditors and only recieved application forms and incorrect T's & C's.

So as debt unenforceable we sent another template letter stating same, after this we received DCA letters saying debt has been assigned and other bull. Now three years later a British Columbia DCA has placed an amount listed as For Collection on our Canadian Credit Bureau. Firstly there is no CCA for this debt or CCJ. It is my understanding that a DCA cannot simply register a debt in a country where the debt was not originated without gaining a UK court order and then via the reciprocal agreement get it enforced in Canada if then any court ordered repayment plan was breeched an order could be sought and the debt could then be placed on the bureau.


Any help would be truly appreciated please don't leave this post unanswered.

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Have you actuall gained any proof that it is the same DCA ?


Have you compared the debt on your English credit report ?


It is highly unlikely that the debt is the same, especially the amount of work and cost it takes to track someone down in the UK, never mind Canada - then signing a contract with the canadian credit bureau just to register the debt - who was this company, and how much was the debt for ?

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  • 4 weeks later...

The debt was £9k in UK unsecured CC no CCA, no CCJ. Sold to various DCA's now in BC with DCA who's registered as collection against canadian credit bureau.


Now that's no legal.

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