CCA on settled debts?

[edinburghbeerbucket]

Hi folks,

 

This might be a whole new can of worms for people here!

 

I recently paid off a debt collector to the tune of more than 2000 quid. I just did it because I knew what the debt was for, and didn't want any hassle.

 

Have just been reading the threads on CCA's and the 12-day/one month rule.

 

Even though it's been paid off, can I now request that they produce a copy of the original signed credit agreement and proof that they own the debt, and then if they can't they owe me back that money?

 

The reason I ask is that this is a pretty sloppily-run debt collector (as most probably are!), and there's no way they'll have all that to hand!

[barracad]

No.

 

By paying it off, you acknowledged the debt.

 

It's not designed to let you off legitimate debts, it's to stop loansharks coming after you for money you don't owe - so they have to prove you tooke out the credit.

 

You should only request the agreement if you don't recognise the debt, and if they send you a signed agreement that would refresh your memory. You have already admitted you "knew what the debt was for" so why would you want a copy of the agreement?

[edinburghbeerbucket]

It was really just out of interest... to cover people who might have paid people off to get them off their back without thinking. And really because I should have checked that they owned the debt etc before paying them.