Has anyone been able to receive a proof of debt from collection agency? please advise asap! thanks?

Hi,





Sounds like a typical DCA.





First thing is send this letter:-





Dear Sirs,





Please be aware that I no longer acknowledge the above debt to your company, and therefore require you to supply the following documentation before I will correspond further.





Firstly, you must supply me with a true copy of the agreement you refer to in this matter. This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974 - your obligation also extends to providing statements of account.





I enclose a £1.00 postal order in payment of the statutory fee for the account as above.





I also require that you supply signed true copies of the Deed of Assignment of the above referenced agreement if available.





You are reminded that you are obliged to supply these documents, whether you are the original creditor or not, under section 189 of the CCA 1974.





As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the Consumer Credit Act and therefore is a complete defence to any court claim that is issued.





Take note at this stage, that any legal action you may be contemplating may not be enforceable in law. In the meantime please be aware that I consider this matter to be “in dispute”.





Yours faithfully





Remember this:





1) Do not sign it (they can copy your signature)


2) Send recorded delivery and a £1 Postal order both can be tracked.





Hope this helps,





Take care..Has anyone been able to receive a proof of debt from collection agency? please advise asap! thanks?
Nope, We got chased by a debt collection agency after a £50 debt from 3 mobile. The debt was like 3 years old so we asked foor proof of the debt. We even sent a recorded delivery letter stating that they had 2 weeks to provide us with proof but they totaly ignored us. Even phoned our parents house and threated to send ';Fraud Investigators'; round. Which is illegal. They swore at us down the phone, completely bullieD. made numerous threats etc..... when I started telling them the law they told me to shut the f**k up, what did i know about the law?? Your not a lawyer etc etc....





Debt Collection Agancies are trained to bully people (well the less reputable ones) and in the end, we just paid up because they were phoning us, all our relatives for weeks.Has anyone been able to receive a proof of debt from collection agency? please advise asap! thanks?
ive never recievied validation on any. i got a letter once said it was original validation of debt. just my name an account no. and balance. one time they said they bought the debt etc. one time they said they ordered documentation from the oc. i havent heard from any of these cas. since. but its that time of year when they like to buy and sell so i should be getting calls from a whole new bunch and the process starts over.

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