Multiple debts, multiple DCAs

[debrag]

Wescot

• Loan & OD
• July 2018
• Heard nothing since then from either Wescot or bank

Lowell

• Catalogue
• Receiving welcome letter
• Received payment due letter since Feb 2019
• Not paid since May 2018

Debt Mabagers

• Catalogue
• No signed CCA
• Received 'we may consider taking legal action' letter

ARC

• Gym
• Current balance £0 - possibly sold to someone else
• Not paid since July 2018
• Not on credit file

Lantern

• PDL
• Receiving "we will now instruct our solicitors to commence recovery action", 7 days are now up.
• Account has been assigned to one of their external partners.
• Not paid since June 2018.
• Not on credit report.

Should I be sending a CCA request to each new DCA as they turn up?
How likely are Lantern to take me to court or settle on a low figure?

[MIKE770]

wescot are only commission agents acting for an owner, so just collection activities they hope?

[MasterCoder]

debrag - I've just seen your comment on my Lantern/Moriarty Law post.

Who was the PDL in question? Was it quickquid?

Do you have a copy of the agreement? Have they forwarded all documents you need?