DCA payments to my Egg CC - SB

[balster]

Defaulted on an Egg CC 6+ years ago, passed onto Cabot in 2008, did the usual with CCA/SAR.

 

I got my SAR stuff through 27 months after requesting it from the DCA who Egg had sold my loan on to.

 

I haven't paid or acknowledged the account for over 6 years, so its SB anyway.

 

I noticed on my statements in the SAR (2009 ish) that there were some strange payments to it

- 'DCA Payment - Thank You'.

 

Is this a sneeky trick that DCA's use to keep accounts active?

 

And now they are saying that I have 14 days to pay up or else...yeah right!

 

SB letter on way.

 

And the fact that they have also sent me a copy of my supposed CCA is a joke.

 

The name is wrong, address is missing, no signature.

 

I'd be interested to know what that payment is?

 

Cheers

[citizenB]

In answer to your question, yes there have been incidents of "phantom" payments.

 

 

If this were me, I would send the statute barred letter from the CAG library..

 

HERE

 

It is for them to prove that "Payment". you would need the method/date of payment. If by cheque, cheque number, bank drawn on, etc.

 

If postal order, PO number, date cashed, Post office purchased from.

 

If over the counter payment at bank - Name of Bank, date and time of payment (stamped payment slip)

 

If online payment - date - bank - account number and sort code.

 

HTH