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DCA's and Original debt


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At what point can you say.."This debt has been terminated"


I have a dca chasing me for a debt.The dca requires full payment via bankers draft etc.etc.

No NOA has been produced and no D/N produced.IN fact I have NOT signed an agreement (I ok'd it online)

But no doc's were ever produced...

Am I right in assuming that demands from dca and the fact that I cannot deal with the original creditor renders this as terminated

by the original creditor....RE:- mcguffick & rbs.

Any other cases or links would be great..The more info the better (whether I'm right or wrong)



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