1st Credit Ltd - Summons Issued **WON **They Discontinued**

[The GodMother]

Practise your victory dance.

[nimjacole]

Dear Paul and also to those who contributed,

I have just received a letter from the Solicitors acting for 1st Credit enclosing a Notice of Discontinuance of all the claim against me. I cannot tell you what a relief this was to received. Obviously, I will be checking first thing in the morning that the same has been filed with the Court and that the matter is at an end.

I would just like to thank you all for a fantastic conclusion to this matter. Obviously keep up the good work - what a fantastic job you all do in not only giving us great advice but also giving us motivation to take this big companies on.

Great job.

Thanks again.
Good luck to you.

[tomterm8]

Congratulations

[pt2537]

Originally Posted by nimjacole

Dear Paul and also to those who contributed,

I have just received a letter from the Solicitors acting for 1st Credit enclosing a Notice of Discontinuance of all the claim against me. I cannot tell you what a relief this was to received. Obviously, I will be checking first thing in the morning that the same has been filed with the Court and that the matter is at an end.

I would just like to thank you all for a fantastic conclusion to this matter. Obviously keep up the good work - what a fantastic job you all do in not only giving us great advice but also giving us motivation to take this big companies on.

Great job.

Thanks again.
Good luck to you.

Hi

Great News,

thought they might call it a day especially since their case was seriously flawed

now most important, keep that letter very very safe just incase they try to restart the case later then we can give them the biggest slap going

im really pleased for you and all the hard work paid off in the end

Regards
paul

[robcag]

Congratulations nimjacole, I hope that's the last you hear about it.

Rob

[ODC]

Just goes to show when you stand up to these people with facts the generally fold. GREAT NEWS

[The GodMother]

guard that piece of paper with your life as that is a valuable piece of paper.

Well done anyway have a nice victory party for yourself.

[Andrew66]

Well done. By way of news on this bunch, I see in the Mail on Sunday financial section that 1st Credit are being sold for up to £400 million. The report further stated that typically they pay 10p in the pound for their debts! This means they bought mine for about £93. Made my blood boil I can tell you.

[ODC]

Originally Posted by Andrew66

The report further stated that typically they pay 10p in the pound for their debts! This means they bought mine for about £93. Made my blood boil I can tell you.

LOL That means I cost them nearly £900 just beacuse they hadnt bothered to get a CCA

[Ladylove1]

Hello everyone!!!

I have just signed up and this is my first time on consumer action group. I was just looking through some of the many complaints and issues raised. This site is very supportive and excellent for the ordinary individual unable to take on distasteful companies who go about extorting money from hard working individuals.

I am currently doing battle with 1st Credit Ltd. They wrote to me 2 months ago stating they taken over the loan I had with Halifax Building Society. They have threatened me with Bankruptcy over the sum of £4,900. I wrote to them on the 18th September stating I could afford £60.00 per month to pay off the debt. They are refusing to accept this and want a reasonable lump sum plus and £60.00 per month. I don't have any savings however I do have a mortgage! Will I be forced to sell my home to pay off this debt. I have a 17year old daughter currently in full-time education. I had to remortgage my home 2 years ago as I was struggling financially. I can just about survive, financially.

Can anyone offer me some advice?

Many thanks and best wishes
Ladylove1

[ODC]

Originally Posted by Ladylove1

Hello everyone!!!

I have just signed up and this is my first time on consumer action group. I was just looking through some of the many complaints and issues raised. This site is very supportive and excellent for the ordinary individual unable to take on distasteful companies who go about extorting money from hard working individuals.

I am currently doing battle with 1st Credit Ltd. They wrote to me 2 months ago stating they taken over the loan I had with Halifax Building Society. They have threatened me with Bankruptcy over the sum of £4,900. I wrote to them on the 18th September stating I could afford £60.00 per month to pay off the debt. They are refusing to accept this and want a reasonable lump sum plus and £60.00 per month. I don't have any savings however I do have a mortgage! Will I be forced to sell my home to pay off this debt. I have a 17year old daughter currently in full-time education. I had to remortgage my home 2 years ago as I was struggling financially. I can just about survive, financially.

Can anyone offer me some advice?

Many thanks and best wishes
Ladylove1

Ladylove You should start your own thread over this. First and most important piece of advice is not to worry. 1st Credit are well known on here for the appalling way in which they treat people. You cannot be forced to pay more than you can afford. First thing you need to do is see if in fact 1st Credit have a legal right to be chasing you for this debt. This can be done by asking them for a copy of you CCA. If they produce it and its all in order then offer them what you can afford even if its only a quid a month. If they were foolish enough to take you to Court the Courts would only order what you could afford, no more. Did the Halifax ever write to you to tell you they had passed it on to this shower????

[nimjacole]

Hi there

Yes make sure you start your own thread where you will be given much advice and how to fight/settle any debts either amicably or through the Courts.

I cannot praise the forum enough - and as you can see I actually got my case dismissed! Good luck. I did not communicate at all with 1st Credit as my dealings with them were not favourable to say the least and they lie!