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Can a disputed debt be sold on?


Guest Jason King
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Guest Jason King

Example, I'm in dispute with Halifax over a credit card debt for over three years, Halifax now give up on me and sell on to Cabot.

 

Is this lawful, if not, what ligislation prohibits it?

 

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Guest Jason King

Yes, an illegible copy of some document was sent to me. It looks like an application form with my address but nothing else.

 

However, I can at least see that the PPI box was ticked by myself and signed underneath yet Halifax say no.

 

So, no CCA and they will not resolve the issue of PPI.

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Jason, can you post up a scan or photo of the supposed CCA please?

 

That way, people can tell whether it meets the required criteria or not.

 

I have a feeling that if it did, Halifax wouldn't have sold it on, but rather pursued it with their in-house collectors.

 

If it's genuinely in dispute, you can send Cabot the standard template for an account already in dispute http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute

 

They're not allowed to pursue it if the dispute claim is valid and ongoing.

 

 

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Guest HeftyHippo

simple facts are no and yes. No they are not allowed to enforce a legitimately/reasonably disputed account. Fact is they do. They dismiss the dispute and do what they like.

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