DCA paid money onto account to make me liable for a debt

[thesearcher]

A DCA paid money onto account to make me liable for a debt ,

 

 

I now have the proof that they did this ,

 

 

what can I do ,

 

 

as its showing I made a payment,

 

 

and by doing so its implying I accepted that I owed the money.

[Old Cogger]

More detail pls

[thesearcher]

A Debt that I have never acknowledged has just come to light ,

 

 

I put in for a S A R and found that a payment had been made in 2012 thus making the debt live and accepted,

 

 

I never made the payment but in the SAR its shows who did and it was a DCA,

 

 

so a debt that would now effectively be statue bared

 

 

has been given another lease of life by the payment ,

 

 

is this fraud ?

[Old Cogger]

Payment SAR fee? CCA1974 Fee?? who is the DCA etc

[SabreSheep]

Hi there,

I am moving this thread to debt collection agencies Forum where you may get more feedback.

 

Regards

 

SS

[thesearcher]

thanks

[citizenB]

If you are absolutely positive you did not make this payment, then challenge it if it is statute barred and they try to claim that it isn't.

 

If this was money you sent in respect of a CCA or SAR request, then whilst they can deduct it from the account, it is an unsolicited gift from them - NOT a payment made by you, so does not reset the SB clock.

[Old Cogger]

Payment SAR fee? CCA1974 Fee?? who is the DCA etc

 

 

If it is then put them to strict proof how/when method of payment?

[thesearcher]

thanks for the info I will go with the unsolicited gift from them ,and I will challenge it ,thanks for the help people

[Old Cogger]

A Deed of Novation is used where one party transfers its rights and obligations under a contract to another party. A novation usually happens when the seller of a business transfers the contracts with his customers to the buyer. The consent of all three parties - the transferee, the transferor and the other contracting party - is required to effect the novation.

[thesearcher]

unlike most people I do keep all letters for a ten year period, and I do have all the original letters and postal order numbers pertaining to this alleged debt .it was a payment for a CCA1974 fee all the other 4 company's returned my fee but APEX CREDIT MANAGEMENT did not ,and I have now got the proof as it was in a SAR with a new DCA who I have contested this with ,and they have now withdrawn it from county court

[Bazooka Boo]

Ha ha, had to laugh, the good old 'phantom payment' trick, can't believe they're still employing this!

 

Surely they must know by now that we all know the silly games they play, WHO IS the DCA??

 

This is going to be another 'admin error' I feel......

 

Send any evidence you have to the FCA.

 

Have they altered your credit file at all? ie, dates?

[thesearcher]

im in the process of try to get Equifax to sort out this crap ,as some of these date back to 2003 , and should not be on my credit file ,its just when its sold the new dca put a marker on my file

[dx100uk]

the gift payment from a dca to your debt does not reset the SB clock.

if it shows the payee anyone other than you

 

 

dx

[Bazooka Boo]

Who is the DCA?

 

The OC should be the one to mark your files with a default, then when they farm it out to a powerless DCA they then place their name alongside the default.

BUT they ''shouldn't'' change the original date the default was placed.

[Stigman]

im in the process of try to get Equifax to sort out this crap

 

You can place a notice of correction on the disputed defaults so lenders will have to read your statement before making any decision.

 

Stigman

[AndyOrch]

A Deed of Novation is used where one party transfers its rights and obligations under a contract to another party. A novation usually happens when the seller of a business transfers the contracts with his customers to the buyer. The consent of all three parties - the transferee, the transferor and the other contracting party - is required to effect the novation.

 

Mike....... Novation and Assignment are two different things...novation is the the substitution of a new contract for an old one...assignment is a change of owner of the existing agreement.

 

Regards

 

Andy

[Conniff]

On what date did this debt become statute barred and who is the debt collection agency please ?

[Old Cogger]

Mike....... Novation and Assignment are two different things...novation is the the substitution of a new contract for an old one...assignment is a change of owner of the existing agreement.

 

Regards

 

Andy

 

The poster asked what a Novation was in their post - hence the response?

[Sidewinder]

Who is the DCA?[/Quote]

 

Sounds like a Lowell special

[Bazooka Boo]

Sounds like a Lowell special

 

Almost certainly! tut tut!