29 Apr 2016

A question about : cca and personal details

hello,

I am currently owe my bank approx Ј9k split up from a loan and 2 overdrafts. 3 years ago I defaulted due to my work situation and it was passed from a bank to a DCA. I have been paying Ј1 a month to the DCA as a token payment.

I downloaded my credit file from Equifax, Credit Expert and Noddle. The loan is nowhere to be seen and this makes up the majority of the outstanding debt.

I requested my CCA from the DCA who passed me back to the bank. The bank still own the debt.
Following my request to the bank for my CCA's using my DCA reference number (I no longer have any details of the bank accounts ) they advise that I need to provide them with the sort code and account number.

Can this be right? Surely they should have details of the debts they have passed on to a DCA to chase me for?

Im really confused as what I need to next - are they just fobbing me off because I am trying to deal with this myself?

any advice would be greatly appreciated

Best answers:

  • Hello Dozy Debtor
    The CAB representatives do not post at weekends. In the week, they aim to respond within two working days, so you should get an official CAB response in the next couple of days.
    Hope this helps
    Dx
  • Hi dozy-debtor, thank you for your query regarding cca and personal details.
    It is likely that the DCA account number relates to the overdrafts and not the loan so you would need to provide more details for them to trace the account but you should be able to give them the address you lived at when you took out the loan, the branch, your full name and date of birth and they should be able to trace it then. You can find more information about dealing with debts at www.adviceguide.org.uk
    Hope this is of assistance.
  • I'd send the "Prove It" letter and get the DCA to prove the debt exists.
Category: 
Dealing with debts & debt disputes
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