Pass the parcel debt

[dorisbiglugs]

Hi, I posted a while ago about a joint overdraft ( hubby in trust deed) and did the paperwork for dispute. Now getting letters in from new DCA, the old one must have given up and sold it on. Are they allowed to do this? Does this mean I have to send new DCA paperwork as well? Many thanks;)

[IdaInFife]

what did you send to the previous dca?

[dorisbiglugs]

Hi IdaInFife,

I sent a template letter from CAG, think it put the debt into dispute, with regards to amount of bank charges on the overdraft, received a letter asking us to withdraw action, then nothing for a while, until new DCA took over the account. We were originally dealing with DEbt Managers, who seem to have sold it onto Wescot, many thanks again:)

[IdaInFife]

obviously the situation has changed regarding bank charges;

 

http://www.consumeractiongroup.co.uk/forum/general/245835-bank-charges-decision-where.html

[dorisbiglugs]

Thank you again- for the sake of clarity-does this mean that I now have to deal with the entire amount with the DCA that currently owns the debt? Hate to sound thick, but need to keep myself right! Many thanks again:)

[IdaInFife]

yes unless you can prove that the bank have acted unfailry as per the link

[dorisbiglugs]

Many thanks again IdaInFife, you need to know where you stand:( Under the circumstances I doubt we would have much comeback from the bank, it was a joint account, we are however annoyed at hubbys IP, who did not inform the bank about the PTD until 11 months after it was set up, therefore bank passed this on to DCA long before that, we ignored letters due to total ignorance about the situation and here we are another 9 months down the line with another DCA chasing us:( C'est la vie, but your help as always is invaluable, have a nice day;)