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Is there way to go back to dealing with the original creditors?


Melisandre
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Hi there

 

I am wondering if there is any way that I could get the original creditors for my debts to let me deal with them rather than DCAs?

 

I have 3 catalogue debts which have all been either sold on or passed for collection (not sure which) to Commercial Credit Services, Moorcroft and Red Debt Collection.

 

I would like to try and negotiate repayment, but I do not want to deal with the DCA's. Is it too late now?

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You may be able to ''cut out the middleman''if the debt has not been sold to the DCA.

Check your credit reference the entries there will show the current ownership of the debts.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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If they have been legitimately sold on then you will have been advised, and they will refer to the 'original creditor' in the letters. In that case, they are not obliged to sell them back to the OC and will unlikely do so.

 

If they are still acting as the OC's agent then you don't have to deal with the DCA and you could try to persuade the OC to deal directly with you.

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eitherway

 

i bet the debts are mostly PENALTY charges

 

got all the statements?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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