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CCS & DCA's


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HI,

 

This is just a general question about CCA's. I've noticed that CCA's only really apply to loans etc... (which makes sense), but how come, say in the example of a mobile or utility debt which is sold on to some random third party there's no CCA involved?

 

My reasoning for wondering this is because:

 

1) The debt no longer lies with the mobile, phone, utility company

2) You now have a debt, a totally new one which wasn't agreed

 

Surely that debt is 'credit' and is governed?

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Mobile contracts are 'service' contracts where you pay a monthly fee for the facility although O2 are changing this by making the phone part of the contract a credit agreement.

 

utility companies are also not credit agreements as you are paying for a service used or pre pay for a service

 

Credit agreements usually have an interest rate attached to them

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What I was more interested in was the fact that when a debt is "sold" to another company, it is no longer a "utility" but an outright financial debt. This is the part where I get confused. There's no supporting paperwork behind the debts orange no longer have paperwork (for example) but "MoneyGrabber Limited" says I owe them none with no actual proof.

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