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3 letter system for DCAs (not debt purchasers) needed?

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3 letter system for DCAs (not debt purchasers) needed?

Post by Mrblue2017 on Mon Sep 10, 2018 6:41 pm

Good afternoon all!

Just wondering, respectfully, what purpose the DCA 3 letter system serves given that DCAs (not original creditors / debt purchasers) have no legal standing / cannot start legal proceedings.

Thank you.


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Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by daveiron on Mon Sep 10, 2018 7:07 pm

Hi Mr blue

They are there if you want them or ignore the DCA's its your choice.
Personally I always use them ,It then shows at least another 3 requests for documentation.
It also shows you have tried at every occasion to settle any lawful obligation.

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Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by Mrblue2017 on Mon Sep 10, 2018 8:37 pm

Many thanks Daveiron, sound advice as always :-)

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Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by Swan on Wed Sep 12, 2018 8:38 am

Good morning, I have a question about this line in the first of the 3 letters to DCAs:

"I now require that you provide the documentation that xxx(OC) has been unable or unwilling to
provide to establish their proof of claim."

That seems to imply that you have already tried to get this info from the OC. What if you haven't done this? (As I haven't in my case).




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Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by daveiron on Wed Sep 12, 2018 9:14 am

Hi swan,

I presume this is not a debt purchaser.

Just delete that line if it does not apply. Also I would start the 3 letters with the OC as well.

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Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by Swan on Wed Sep 12, 2018 10:48 am

Hi daveiron,

No, this is a DCA acting for Santander. Thing is, Santander acquired the 'debt' or inherited the 'debt' from the original OC when they took them over. So I'm really not sure who to contact at Santander either, although I do have the account ref. nos. in the DCA letter. However I can't find any letters where Santander have written to me about this. The 'debts' are about 14 years old, I have detailed the situation in the thread titled Drydens Fairfax.

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Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by Kestrel on Wed Sep 12, 2018 7:08 pm

@Swan wrote:Hi daveiron,
The 'debts' are about 14 years old, I have detailed the situation in the thread titled Drydens Fairfax.

If 14 years old & no CCJ registered then they are statute barred.

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Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by daveiron on Wed Sep 12, 2018 7:50 pm

14 years old ?

Ok ,a few questions,

1.When did you last make a payment ?
2. What were the debts for (credit card -loan etc)
3.Do you have a default notice ?
As much info as possible please without personal details.

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Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by Swan on Wed Sep 12, 2018 9:22 pm

Hi daveiron,

Okay, there are two debts - one for a credit card and one for a loan, with the same company who are no longer trading (got taken over by Santander). I was paying £1 a month token payment to each debt to a different DCA. They are no longer dealing with it and have passed it on to a new DCA. I did have a default notice way back when.

I had a whole series of debts accumulated early 2000s, some I still pay £1 a month towards (I was advised to do this at the time so that's why I did it, I had no idea about the 3 letter process and everything else then). When I discovered the get out of debt free forum several years ago I decided to apply the 3 letter process with one co. who had bought that particular debt and I was successful in writing it off. The rest have just been ticking along until this happened. Since I was informed of the new DCA I have not done anything, just ignored their letters so far.

These particular debts in question were with an internet based bank, and I never signed for either of them. As far as I understand, that fact alone makes them unenforceable under the 1974 CCA.

Any advice as to my next steps much appreciated.






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Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by daveiron on Thu Sep 13, 2018 9:20 am

Hi swan,

I have posted in the Drydens Fairfax thread. If you could do the same it keeps things tidy and easy to find.

cheers dave

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