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joe1965
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Even if a company has passed on a debt to a debt collection agency, do you have to deal with them?

As the debt is not with them can you legaly refuse to deal with it through them? And if you go down this path what can the agency do about it in the way of fee's etc?

Sorry about the questions but you won't know if you don't ask.;)

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Generally if you CCA request an agency that's only chasing a debt they'll hand it back to their client (the creditor), this being the case, they certainly shouldn't be adding any fees of any kind to an alleged debt as they don't have a contract with you.

 

Regards, Dave.

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Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

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When you say "passed on a debt to a DCA", it depends very much on whether the DCA is simply acting on behalf of the creditor or whether the creditor has in fact sold the debt to the DCA.

 

If the former, then I'd say feel free to deal with the creditor direct.

If the latter, then you have to deal with the DCA

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Thanks for answering so promptly.

It's been passed over to a DCA and they tried to tell my o/h that she HAD to deal with them and that anything sent to the creditor would not count towards the debt, be it money or any legal letters relating to it (CAG's name must be getting around :) ).

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