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Does anybody know this?


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Does anybody know on this forum of anyone actually been taken to court by a DCA for bank charges/overdrafts, you always hear of people being taken to court by DCA for Loans/credit cards, i just wanted to know what the position is because i thought for a DCA to take you to court for a debt the DCA has to have the correct paperwork and actually has to own the debt first because if they have neither then surely it wouldn't stand up in court, or am i totally off the mark....

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it isnt beyond the realms of inpossibility..however, dca's do initiate court action but it seems to be totally random..if they think you are an easy target then they seem to go for it..and yes they would have to have all the correct paperwork..it seems once you start challenging them in most cases they gracefully fade away after awhile

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