Received letter of claim and it's scary!

[wheretostart]

I have a bit of an update on this.
I sent a CCA s78 request; initially, I got a reply stating they could not get the documents requested, and that the debt was unenforceable But after a month or so I received another letter containing a copy of the original signed agreement. At this point the DCA claimed it is now enforceable and requesting I contact them about payment.

I have also sent a SAR to the original creditor. I have a pile of documents bigger than a yellow pages! As yet, I have not seen a notice of assignment letter in there, but I'm not sure if it would be? I do think I received one when the debt was first sold, but if I did, then I'm afraid it has been destroyed.

I have now received another letter from Kearns asking that I contact the DCA to arrange payment within 7 days, or they will begin court proceedings.

It does appear they have everything in order, so should I continue to fight this? I'm not sure where to go from here, and am concerned about the 7 day time scale.???????

[The Tech Clerk]

Colin G Quinn

[wheretostart]

I'm going through the paperwork, and I have a sheet entitled "Information held on computer by Rosyth and Chester Collections & Recoveries". At the bottom of this sheet it states;

"Please be advised any letters sent by Collections are not saved by customer and therefore cannot be provided under a Data Subject Access Request. However, if you have misplaced a letter please contact Collections as they will be able to re-create it and send you a further copy"

and also;

"Copies of default, Enforcement, Termination and Assignment notices are not saved by customer name so we are unable to provide copies under a Data Subject Access Request".

I have a feeling this may be useful but am not sure what exactly to do with it!

[Shanbean]

I have just received the same thing. Old Halifax credit card, sent to kearns, charge on the house. I don't know what to do or who to contact to make a payment plan. Can anybody help please?

[The Tech Clerk]

Hello! please start your own thread and do a diary as per:- we get the picture from that and advise or suggest the help for you ok:-

Type of account:
Date commenced:
Approx balance :-
Date last paid:-
Status:
Current status:
Assigned:
Account Owner:

under new topics in the bar at the top of thread, welcome by the way. we try and assist you we do not critasise so do not worry.

[Roger]

As per The Tech Clerk so that AAD has as much as possible of Diary details!

But see Colin G Quinn
Entry here
https://all-about-debt.co.uk/forum/d...00#post1544400

You should contact Colin G Quinn

[Still Waving]

Any update on this from original poster ?? Nothing since Jan 2022.