Curious response from Original Creditor

[dx100uk]

an sar does not provide a copy of the agreement - bandit

 

you can include a line in the sar letter to request it

but under the sar regs, they are not obliged to send one if they do not want too

 

if the account is closed, not even a CCA will get one.

if the agreement between you and the creditor is ended, the Consumer Credit Agreement is thus ended

 

as for signing an sar or providing evidence upon 'who' you are [inc a sig]

they are entitled to ask for it

and i should be given

though use utils bill not passport or driving licence

e

dx

[Ivan56]

So should dispute this?

Edited August 2, 2012 by Ivan56

[citizenB]

"Section 78 only applies during the lifetime of the agreement. As the above numbered account has been closed, and the balance paid off in full, there is no longer a regulated agreement between ourselves."

 

so i ask the question

 

if the account has been paid in full and closed down by the OC

 

what credit agreement then has been sold to a DCA

 

the OP can rightly state that their is no debt owing as confirmed by the OC

 

A DCA only pays a percentage of the debt, never pays off the balance in full unless it is a live account when sold

 

 

I think this is very ambiguous and very disingenuous of the original creditor !

 

According to them, there is no contract because it has been paid in full. So on what basis is the DCA claiming there is monies owed.

 

There has to be an agreement somewhere ?