Returned letter and Postal Order

[hev106]

hi, did post this elsewhere but not gotten a response anywhere yet so probably my own fault as most likely put in wrong place!

 

Last year 10 months ago to be exact one DCA returned my CCA letter and the Postal Order saying we no longer dealing, returned to our client, who just happen to be another DCA, please contact them. I didnt and lo and behold the 'client' (DCA) contact me this week saying Hi heres the Annual Statement of Acct, showing original date of agreement to be 13yrs ago and date on Annual statement is Oct 08 through Sept 09 and a balance. And that folks is all I have gotten until today when they offer me to pay less than a third of o/s 'debt' and they will write off the rest, finito, gone, finished! (yea righto)

 

So what do I do now, the original DCA did not supply what I asked for so I take it the acct is in dispute and if it is how can they pass to another DCA?? Confused, I know I am!

 

Do I now send CCA to client namely the DCA who have just written me or do I tell them to bog off?

 

Advice greatfully received as always

 

H:confused:

[Bazooka Boo]

I would send this new bunch the 'Bemused' letter, as the previous DCA couldn't be bothered to a) get you the info and b) inform the new owners of your request which they have failed to act upon.

 

Try the bemused letter first, see what these pretty little guys say, who is it with now? If they begin with an 'M' they are right down there at the very bottom of the barrel, which is why they are offering such a fantastic 'once in a lifetime offer', such geeks..

 

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

 

Send Recorded delivery, PRINT don't sign your name.

[Hardupnotfedup]

send the bemused letter to the new DCA keep the letter you got from the 1st DCA as that is proof enough that you requested CCA

[palomino]

According to some new(-ish) legislation such organisations are now required to send you an annual statement. Sorry I can't quote the whys and wherefores.

 

It would appear that you have received your annual statement. Almost certainly computer-generated (untouched by human hands ...) and, again, almost certainly nothing to do with your request,

[Bazooka Boo]

Yes your right Palomino, on reading the OP post a second time, it sounds like a Statement of Account, which they are legally obliged to send annually.

 

I would disregard my first reply, as having now read your post again, it is clearer.

 

The SoA is a requirement that they now have to send out to you.

 

It doesn't mean it has been passed to a new DCA, who is the SoA from, the OC? (original creditor)

 

As you rightly say the account is in dispute as the previous DCA couldn't be bothered.

So I would think that they have passed it back to the OC, and the OC will again pass it on to another DCA who are none the wiser of the state of the account.

And certainly will have no idea that you requested your agreement.

 

Hold fire, file it away and wait until another bottom feeder lifts it's head out of the murky silty world of debt collection.

[themagician]

hi, did post this elsewhere but not gotten a response anywhere yet so probably my own fault as most likely put in wrong place!

 

Last year 10 months ago to be exact one DCA returned my CCA letter and the Postal Order saying we no longer dealing, returned to our client, who just happen to be another DCA, please contact them. I didnt and lo and behold the 'client' (DCA) contact me this week saying Hi heres the Annual Statement of Acct, showing original date of agreement to be 13yrs ago and date on Annual statement is Oct 08 through Sept 09 and a balance. And that folks is all I have gotten until today when they offer me to pay less than a third of o/s 'debt' and they will write off the rest, finito, gone, finished! (yea righto)

 

So what do I do now, the original DCA did not supply what I asked for so I take it the acct is in dispute and if it is how can they pass to another DCA?? Confused, I know I am!

 

Do I now send CCA to client namely the DCA who have just written me or do I tell them to bog off?

 

Advice greatfully received as always

 

H:confused:

you must allways send a acc in despute letter,it is not automatically put in despute until you tell them!.

[hev106]

Morning, Thanks to all who replied and sorry its taken so long but what with working long hours and being snowed in where i live, this is the first chance I have had to catch up with things. The SoA came out of the blue and is not from the OC nor the DCA I sent the CCA letter to many moons ago, but has arrived from another DCA?? I think I will sit back and wait and see what happens next. I do still have my original letter from last year which was sent back to me with the postal order and shall keep this as my proof. Do you think this 'new' DCA will contact me again or will it be passed on once again? I have had no contact with the OC for many many years and I am positive this whole debt is now statute barred but have no way of checking when I last had contact but believe it was around 2000/2002. I will wait and see what the postman delivers next! Cheers

H x