1st credit and Demon Internet / Thus plc

[casio]

Anybody?

[Writerchris]

Hi Casio,

I'm in no way as expert as some of the folks who kindly reply to us on here but I too am doing battle with 1st Credit at the moment (and have been for two years now).

Have you recieved a reply from them to the letter you sent? It doesn't seem to matter what you send to them, or what you threaten them with, they plow on relentless, often with automated replies that have little or no relevence to any letter you've sent them.

I got gibberish letter after gibberish letter now I'm off to court (me taking them in response to a Statutory demand).

I bow to the greater knowledge and judgement of others on the forum but as long as you register your letters to 1st credit, don't sign anything and stick by your guns then just stay aware of your legal situation re: the alleged debt and see what they say...

Good luck with the muppets!

[casio]

Originally Posted by Writerchris

Hi Casio,

Hello.

Have you recieved a reply from them to the letter you sent? It doesn't seem to matter what you send to them, or what you threaten them with, they plow on relentless, often with automated replies that have little or no relevence to any letter you've sent them.

They sent me the letter that you can see in post 48 in this thread, and since then, they've sent two bills for 199.90.

I've composed my latest letter this morning (post 60 in this thread), and I would like comments on it from anybody.

I got gibberish letter after gibberish letter now I'm off to court (me taking them in response to a Statutory demand).

I bow to the greater knowledge and judgement of others on the forum but as long as you register your letters to 1st credit, don't sign anything and stick by your guns then just stay aware of your legal situation re: the alleged debt and see what they say...

Good luck with the muppets!

Good luck with your court case!

[casio]

OK, I'm going to send that letter then.

[casio]

I tell a lie. I will add this to the letter:


"As per your request, we have removed your telephone number. However, we reserve the right in the future to contact you by telephone in the event of non-communication on your part."

This paragraph is contradictory. You say that you have removed my telephone number, but you may telephone me in the future. If you have removed it, you will not be able to telephone me. This inconsistency will also be noted in case of further breaches of the Protection From Harassment Act 1997, the Administration Of Justice Act 1970, s40, and the Communications Act 2003, s127.

[babybear39]

Looks like a good letter casio.

I've noticed that line on many DCAs letters and can categorically state that 1st credit DO keep your number even though they say they've removed it. They used mine when they said they'd removed it even though they had my personal e-mail and home addresses

[casio]

Originally Posted by babybear39

Looks like a good letter casio.

Ta.

I've noticed that line on many DCAs letters and can categorically state that 1st credit DO keep your number even though they say they've removed it. They used mine when they said they'd removed it even though they had my personal e-mail and home addresses

If they do ever call me again, I am going to go to town on reporting them to all the authorities.

[casio]

Hello,

It occurs to me that 1st Credit have never proved to me that the alleged debt is mine.

I know that this particular case is not covered by the CCA, but if I wanted to demand proof from 1st Credit, how would I do it?


Incidentally, for those interested, Demon haven't yet replied to my last letter to them, sent 22/04/2008 - more than a month.

[casio]

Aha! Got another letter from 1st Credit today!

It goes like this...

Client: Demon Internet
Balance: 199.99

Despite previous letters you have failed to make payment of the above sum.

I regret to advise you therefore that failure to contact us in the next 7 days may result in formal recovery proceedings being issued to recover all sums due.

Please contact us as a matter of urgency.

Can anybody here answer my question from the previous post?

[casio]

Anybody?


And should I do anything about the letter from 1st Credit, or should I just ignore it?

[babybear39]

Send them this 'prove it' letter that I nicked from saintly_1:

Dear Sir/Madam

Account no:

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I/we look forward to your reply.

Yours faithfully



(Your Name) Print do not sign

Send recorded or special delivery and keep copies.

[casio]

I've already sent a very similar letter to them, but they've just sent me the '7 days' letter above.

I'm thinking of sending something like the below, and informing as many authorities as I can google. What do you think?


I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY


DESPITE PREVIOUS LETTERS, YOU HAVE ONCE MORE ATTEMPTED TO COLLECT ON AN ACCOUNT THAT IS IN DISPUTE. I HAVE NOW INFORMED THE RELEVANT AUTHORITIES.


Edit: Then again, I didn't ask them to prove the debt, so I think I'll go with a modified version of your suggestion. Thanks.

[babybear39]

You're welcome. Hope you get this sorted out. Demon seem to act like their namesake and 1st credit are a bunch of *****

[casio]

I got a letter from 1st Credit today. It seems to be a reply to the one I sent before last, and it is written by a person - not an automated mail.




"Thank you for your letter of the 20th May 2008.

We have previously advised that our client informed us they were not aware of any dispute and that the amount remains outstanding. I note you are still stating that the account is in dispute.

I also note that you are dealing with Demon directly and we have contacted them in this regard.

In relation to the outstanding amount, we are acting on information provided by our client and have also asked for their comments.

We have removed your telephone number from our main screen. However, it is still held on our system and cannot be removed entirely as it is an audit requirement."




They haven't previously advised me that their client wasn't aware that the account is in dispute.

Anyway. What next?

I seriously doubt whether Demon are going to reply to my last letter (sent two months ago and I have the proof of delivery), in which I asked for their complaints procedure and also asked them to drop the alleged debt. Can I interpret their non-reply as meaning that they've dropped it? Maybe I should S.A.R - (Subject Access Request) Demon, as it might put me in a stronger position.

Is there anything I can do to demand that 1st Credit remove the telephone number properly? After all, they did say, "we have removed your telephone number".

[casio]

Long time, no update...


After the last letter from Worst Credit, I heard nothing for a
long time. I visited my friend's house at the beginning of September (ish), and his dad said that there was a letter for me.
Indeed there was, from Demon - a bill for 19.99!
I was quite astonished that, after everything and having told them several times, they were still sending things to the wrong address.

I'm guessing that Worst Credit went back to Demon, and Demon eventually decided that I didn't owe them for more than a year's service, but actually owed them for a month (though I don't). So I got removed from Worst Credit's systems, and Demon's fantastic billing system started billing my old (I've moved 4 times since then) address again.

I moved again in October. They're not getting my new address. I guess they'll start sending their threats to my old old old old address again, when I don't pay their 19.99.