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I have been paying 2 DCA`s (Thames and Connaght) for about 4 years now both relate to credit card debt . I have never had any written correspondance except for a paying in book, only the threat of baillifs etc via the phone. I would estimate that 80% of the credit card debt is made up of charges and interest. Any advice on how I go about challenging the debt would be appreciated

 

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Hi soreheadedbear.

Welcome to the forum,

start by reading in the debt collectors forum;

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/

Then start a thread in the next link, title it soreheadedbear V (debt collectors name)

people with similar problems and knowlege will respond.

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=119

You will find that the charges imposed are also deemed unlawful and can be reclaimed.

 

Please take time to read the faq's

use the template letters.

 

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There is also live chat, visit if you need any quick advice.

Finally good Luck.

Happyolddog.

 

If my advice helps please tip the scales, left.

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