payments not credited by dca.

[putupon12]

have been paying DCA for 12 over 12 months,the account was then moved to a different DCA been paying since July 2009,My problem is I paid with crossed postal orders,the post office has confirmed encashment but will not confirm any details. both DCAs will not admit to these payments and credit the account.any suggestions would be graciously received.

[bazaar]

have you requested documents and statements? if not , do so NOW.

Do the CCA first, then when they dont comply, you can write again stating that all payments will now stop.

Youve got to get hold of the statements, they are crucial to see if theyve lumped charges on to you

[putupon12]

i got the statement from the original creditor and this showed no payments for over a year had been credited from the first dca,I then got one from second dca after asking for cca . which showed no payments to them before feb this year when infact they had been sent from july 2009 to jan 2010.have written to all three but no acknowledgement at all

[bazaar]

OK, well stop paying them then. write to them stating that as no acknowledgement has been received, future payments will be witheld until such time you recieve a full statement of account, also that they need to provide you with evidence that they are legally allowed to collect from you

[putupon12]

just compiling a letter now.

thanks for your imput bazzar

[bazaar]

I assume that youve been paying them without asking for the proof of debt etc? so if youre going to write, you should make a CCA request, to keep things organised.

Also send off SAR to original lender. this will show you what theyve charged . Make sure you specifically ask for the executed agreement to be supplied on the SAR.

[putupon12]

I knew I owed them something whenI received there letter several years ago and never questioned the ammount or charges have been paying small monthly payments since.I found this site and asked for cca,which eventually arrived and the first page seems to be right and proper but second seems a little different, the statement shows an 18 month gap in payments I sent,this was queried to oc and the two dca but none of them will accept they have had the money although the post office confirms theyved been cashed but wont confirm to who.I will SAR the oc to see if this throws anything up.

[bazaar]

yes SAR Original lender, keep youre evidence of them cashing the PO's maybe someone has helped themselves.

you'll likely find youre owed money.

[putupon12]

just heard back from the post office regarding postal orders,although the postal orders were crossed and made payable to a dca,the post office will only confirm tthat they has been cashed but not by whome,so the dca can say he has not received them,the only way to get proof is if you can get the police or courts involved,so I will not be making anymore postal order payments.

[rameses_qc]

I would definitely have speaks with the Police, as it looks as though this particular DCA is trying to be a tad dishonest. As long as you have proof that these POs were cashed, it gives evidence that the DCA is stealing the paymentIn anycase I would NOT contact these thieves again; I would contact trading Standards as a minimum and tell them what's occured i.e. that they are cashing your POs and not crediting your account with the money. I'm ertain that the DCA will find that there's been a "mistake" and they will suddenly find the money

[putupon12]

this is a previous dca who havn`t credited the payments,so the new dca is actually hounding me for the wrong amout.

[rameses_qc]

Exactly. So the thing is to say to the new DCA that you are in the process of informing the authorities about a dispute with the previous DCA and that you do not intend to make further payments to them or anyone else until that dispute is resolved. tell them no further correspondence will be entered into, and if they persist, you will forward their letters to the authorities for inclusion in the dispute

[putupon12]

thanks for the advice and i will send a letter today.:grin: