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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;


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

people with similar problems and knowlege will respond.


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.




Templates Library....

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

Finally good Luck.



If my advice helps please tip the scales, left.

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