Your replies have been most helpful, the status of the loan is questionable, the creditor maintains that it is joint but we are positive it was a sole loan for my partner. We have had a s77 CCA and creditor (Natwest) could only produce a signatureless printed true copy. We have asked for other proof...

Thanks Michael, that's the way we will tackle it. Here's hoping.

Hi kallis3 and Foggy, Thanks for your helpful replies. Unfortunately the original paperwork (from 2007) was lost in a house move. There was no mention of a joint liability until sometime after the IVA was set up (2011) and since then my partner has been contacted by 2 different DCA's (collecting on ...

We have already used the s77 CCA request but all that produced was a typed up "true copy" and the OC has admitted not having the original signature bearing papers.

Michael, my partner's account is on hold with the DCA who is collecting on behalf of the OC. However now that the OC has informed me that the debt is reassigned to a different DCA but not informed my partner I am wondering whether this is a tacit admission that the debt is not a joint one (which we ...

Thanks for the replies kallis3 and Foggy. We have disputed that the debt was a Joint debt and the OC can only supply a "typewritten true copy" of the CCA. The DCA chasing my partner was "collecting on behalf" of the OC but now if the OC has assigned the debt to a different DCA is the original DCA no...

I am in the final month of my IVA. An original creditor has stated that the debt was in joint names and is chasing my partner via a debt collection agency (this has been disputed and account is on hold) but the OC has also now written to me to say the debt has been assigned to a different debt colle...