I've lived overseas for a while so I didn't have a UK address to receive correspondence to, I only returned 18 months ago and have done nothing to contact the creditor so hence it has only just found me again at the new UK address.
The debt is a credit card debt.
I dispute the balance of the debt not that fact I owe it, I want to enter in to correspondence with the DCA but in doing so do not wish to acknoledge that I owe the full amount in question.
How would I discover if the debt has been sold or just collected by 1st Credit on behalf of Lloyds TSB?
OK write back to the DCA and head the letter 'I do not acknowledge any debt to your company'.
Refer to the demand you have received and ask them if the are acting on behalf of the original creditor (Lloyds) or has the debt been assigned (in which case you should request the deed of assignment or a letter from Lloyds confirming the assignment).
Also ask for a copy of the original signed agreement which proves the debt and a statement of the account showing charges and fees.
Mention that until you received proof that they have legal rights to the debt you are not obliged to offer any payment to the disputed account.