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Stuart J
Stuart J, Solicitor
Category: UK Law
Satisfied Customers: 22624
Experience:  PGD Law. 20 years legal profession, 6 as partner in High Street practice
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Would an assignor (Credit Card Co.) need to provide the original

Customer Question

Would an assignor (Credit Card Co.) need to provide the original agreement to the assignee (Debt Collector) before an assignment would be legally binding on the debtor?
Submitted: 2 years ago via InBrief.
Category: UK Law
Expert:  Stuart J replied 2 years ago.
They don’t have to provide the original. A copy is sufficient.However whether it’s the original company or the one that staked it over, under the provisions of the Data Protection Act, they cannot enforce the agreement unless they have (on request by the debtor and the debtor paying the statutory sum of 1 pound) supplied a copy of the agreement to the debtor. Don’t get hung up on the original because that won’t help unless there is a dispute over its authenticity. Does that answer the question?Can I answer any specific points arising from this?