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Re: More than one account with same DCA at the same time
Well, as Niddy said.... they're not supposed to do it without permission. In other words, without you signing for a consolidated type loan (with a new agreement). So, creditors/DCAs could find themselves in deep shyte by progressing to court with amalgamated accounts.
If challenged beforehand however, it shouldn't get that far. In my case Allliance & Leicester wrote to the DCA saying that this was precisely what they had done..... and the gormless DCA sent me a copy!!
Originally posted by planB
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That's really useful P1 because if a DCA/debt purchaser did issue proceedings on an amalgamated-without-permission account, then maybe this could be a Defence in court even if the two accounts were individually enforceable 
I'm told that they could sell the debt back to the OC, who could seperate them out, and then re-sell and re-issue
but all that takes time and effort. Plus the fact that by then the OC may have archived (destroyed) the file believing the debt to be sold so off their books and forgotten about which leaves more room for errors with the paperwork
I'm told that they could sell the debt back to the OC, who could seperate them out, and then re-sell and re-issue
but all that takes time and effort. Plus the fact that by then the OC may have archived (destroyed) the file believing the debt to be sold so off their books and forgotten about which leaves more room for errors with the paperwork If challenged beforehand however, it shouldn't get that far. In my case Allliance & Leicester wrote to the DCA saying that this was precisely what they had done..... and the gormless DCA sent me a copy!!
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