If a debt has been assigned (sold), the DCA is now the legal owner and you deal with them directly. You should have received a Notice of Assignment.
If the debt has only been 'placed' for collection, the original creditor still owns it and can pull it back.
You have the right to request a copy of the credit agreement under section 77/78 of the Consumer Credit Act — while the request is being answered the debt is unenforceable in court.
Related reading
Debt Collection Agencies
How debt collectors actually work
DCAs are limited to the same rights as the original creditor. They can chase, threaten court, or sell the debt on — but they can't force entry.
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Your rights when a bailiff is at the door
Bailiffs work under a tightly regulated process. Doors do not have to be opened. Payment can almost always be negotiated.
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Vulnerability and bailiffs — the extra protections you have
If you (or someone in your household) is vulnerable, bailiffs must take extra steps — and often must stop entirely.
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Controlled Goods Agreements explained
Signing a Controlled Goods Agreement lets you keep using items — but it changes what happens next.
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