Well the slightly shortened version of the story is this.
Just before Xmas I received a letter from dlc, offering a discounted repayment on a debt that was supposedly with a company called 'Associates'.
Until then I had received no other letters from dlc, so was a little confused.
In this letter they had also stated that if I didn't contact them within 14 days they would send a doorstep adviser round.
I responded by asking for further clarification as to who the original creditor was, as Associates didn't ring true
and also advised them, that I was unwilling to meet with any doorstep advisers,
that if they attended to visit my property, then they would have to make an appointment,
and that I would not be making an appointment of any kind.
The response to my reply, which came yesterday, was rather stroppy to say the least.
They are saying that I am the debtor,
they have proof that they have corresponded with the correct person (although what this is they won't say),
that the original debt was with Financial, for a credit card ,which was taken out in 2001,
that I must complete the income/expenditure form and return to them
and that I am incorrect in saying that they will have to make an appointment to visit me at home,
that all they have to do is give reasonable notice of the visit( surely this is the same thing?),
should this form not be completed and a payment schedule made.
The account was passed to them in 2007 and they claim that payments were made by me in 2011.
I have checked my bank statement, and there were no payments made to them, from me, in March 2011.
I am going to complete a CCA request, as I am not entirely sure that this is my debt.
But if, as some have suggested, they don't have to send a signed copy,
how can they prove it is or prove it isn't?
Many thanks, to all of you that have replied so far!