DCA on credit reference file

[samuwell]

Re: DCA on credit reference file

Have you received a Notice of Assignment informing you of the sale to PRA? (Yes or no)

If yes, how was it sent to you?

It was'nt, it is in their bundle of proof, undated, un addressed with and address in a box from 2007. It wasn't in dispute then!!! Good point.

- - - Updated - - -

Please excuse my tatty way on the forum, I am getting used to it now, much appreciate your patience and help.

[charitynjw]

Re: DCA on credit reference file

It was'nt, it is in their bundle of proof, undated, un addressed with and address in a box from 2007. It wasn't in dispute then!!! Good point.
Check the Law of Property Act 1925 s196*.

- - - Updated - - -

Please excuse my tatty way on the forum, I am getting used to it now, much appreciate your patience and help.

####
*But keep in mind that a good notice will remedy a bad one! :tinysmile_twink_t2:

[samuwell]

Re: DCA on credit reference file

####

This DC is claiming under this act, now, under disclosure they say they have the deed of assignment but I have yet to see it.

[samuwell]

Re: DCA on credit reference file

If the account was assigned to the DCA then they have the rights and duties as the OC did. If they register details they would have to state when the account opened etc, even if that was done before they owned it.

I understand, didn't realise that. Thankyou.

[samuwell]

Re: DCA on credit reference file

You will not see a Deed of assignment as that is confidential information, what you should have is Notice of assignment!

Ah! well the only other thing they have is the NOA which was in their bundle with an address boxed there which I was at in 2007, before the dispute date in 2009/10

[Noah]

Re: DCA on credit reference file

I would imagine that if they have already sent a bad NOA and then try to rectify it, it will damage their reputation infant of a judge

I.E they were caught out and put it right, what else have they fiddled

However , when submitting the defence I would just say that it was not compliant and leave it at that. No need to help them anymore than you have to. It would be like walking into a police station and saying, I know you didn't catch me but I robbed this house on this date and here are the proceeds

[samuwell]

Re: DCA on credit reference file

I would imagine that if they have already sent a bad NOA and then try to rectify it, it will damage their reputation infant of a judge

I.E they were caught out and put it right, what else have they fiddled

However , when submitting the defence I would just say that it was not compliant and leave it at that. No need to help them anymore than you have to. It would be like walking into a police station and saying, I know you didn't catch me but I robbed this house on this date and here are the proceeds

Makes sense, many thanks.