JD Williams sold debt to Link without warning - can they if i was already in an arrangement to pay?

[paulhn757]

Looking for a bit of advice please regarding a debt to JD Williams (Jacamo).

I've been in a payment agreement with them for the last year or so (something they offered without being asked for). I've stuck to the plan rigidly, no missed/late payments etc.

This week I recieve a text out of the blue from someone called Link financial asking me to contact them regarding my JD williams account. I assumed it was some kind of scam but checked my jacamo account only to find the balance (about £1500) had disapeared and no payment was due.

I then contacted them to find out what was going on and they confirmed they have sold the debt to Link. I have had absolutley no notice of this, no warning letters, default notices, anything. Can they do this?

I'm going to ignore the dca for as long as possible but would like some advice as to how I should proceed. Given that I had a temporary agreement with Jacamo which I had stuck to I thnk this is really poor of them.

Thanks for any advice.

[dx100uk]

the sending of NOA is down to link , and to be honest if there was a worse dca id say. 

there isnt any limiting remit an OC must abide by before selling regardless to payments etc etc, i would suggest that JDW have defaulted the debt before or upon sale and its just not showing yet, as the debt is of little use to Link without a valid default notice.

have you moved since taking this debt out and not informed JDW you have in writing?

dx

 

[paulhn757]

Thanks

No, been at the same address since I opened the account

[dx100uk]

ok let it run

block the number and report the texts to 7726 as spam

ignore the txts.

dx

 

[paulhn757]

Thanks. Not heard anymore from either party as yet, is it just a case of ignore until something more threatening comes through or should I start hitting them with an SAR/CCA now?

Edited September 26, 2023 by paulhn757
typo

[dx100uk]

no yours is not the next move

dx