No cca Link still threatening me

[Kwl]

Hi

 

After reading various articles on this site (thanks everybody), i sent a cca request to debt recovery company they didn't send a cca agreement and after a couple of phone calls of them i explained i very politely i wouldn't talk to them via the phone until they provided it. This was approx 3 months ago and up until the last week i didn't hear anything off them. This last week ive had 2 letters the latest threatening me with

Data being passed to our internal investigation department

 

Your account will be approved by way of judgement/decree securred in a local court

 

The debt will be transferred to a Debt Collection Agent who may call at your home

 

Then inviting me to contact them. Few questions really, is this just a scare tactic? What do i do next? It was my understanding (limited) after reading various posts that without the cca theres not a lot this company can do

 

 

Thanks for any help

[citizenB]

Do you know if this account has been assigned/sold to Link or are they merely collecting on behalf of the original creditor.

 

How old is this account?

 

I find it odd that they would say that they will pass it to their "internal investigation department". Why would they need to do that - they should already know if you are the right person, before starting on their threatograms? They might write to you next saying something like.. they have completed their investigations and find that you are in a position to pay etc, etc, or that they have discovered you have property, etc, etc.

 

Which of course is just intimidatory, because a simple search of the Land Registry / Electoral Roll will show if you have property and your Credit reference files will show what type of debt you have (if any) or if you have taken out new borrowing or repaid lump sums off old!!.

 

You could of course simply write back advising that they have still not responded to your CCA request and whilst they remain in default, the account is in dispute.

[Kwl]

Thanks for the replies i am sending them today account in dispute letter

 

The line should have said

 

Your account will be approved for recovery by way of judgement/decree secured in your local court

[Bang!]

Perhaps they mistook CCA as 'County Court Approvement'