Help me fight the disgusting 1st Credit Ltd

isuedlowellandwon · 27th January 2007, 20:11

I absolutely despise 1st Credit Ltd with every cell in my body.

These scumbags served my 67 year old mother with a Statutory Demand under the Insolvency Act using a process server infront of her neighbours with regards to an alleged debt from the year 2000, just a few months ago.

She collapsed afterwards, she had just had a hip replacement. Being threatened with bankruptcy at aged 67 for an alleged debt you can't recall is an abomination. They knew they'd get thrown out of the county court autolinker.com autolinking image

for it being Statute Barred so they sought this method.

It was written off in the end after threats to go to the media. The alleged debt was actually Statute Barred as per the Limitations Act 1980 as far as I was concerned, also as per the OFTs Guidelines.

The company used TERROR tactics to try and force an old lady to pay.

I am constantly sending complaints to Andy Lowther at the OFT, full witness statements infact about this company.

This company is the worst I have dealt with out of 10 DCAs and the most vidictive and vile.

If anyone has any evidence of them placing false information on their credit files or other problems such as, for example:-

a) False default dates.
b) Listing debts as "Hire Purchase".
c) Any of their collection tactics.

Please contact me by private message as you can help do good and I will keep the OFT informed. Also it will help in my current litigation against these vermin.

I might setup a website devoted to problems people are having with this company shortly.

tifo · 27th January 2007, 20:50

i'm with you ....

let me know what we can do .... i've replied to your other posts.

lookinforinfo · 27th January 2007, 22:36

One way to possibly hurt them is to take action against the companies who
employ them to collect their debts. These companies are responsible too for
1st Credits behaviour and will not take kindly to be hauled into Court for
their transgressions. Once the word gets round that a Court case is a real
possibility, they may begin to lose clients.
The other way is to bring untold heat on to the OFT to get off their a***s
and withdraw their licence. It will take quite a lot of complaints though.

tifo · 27th January 2007, 22:38

Quote:

Originally Posted by lookinforinfo

One way to possibly hurt them is to take action against the companies who employ them to collect their debts. These companies are responsible too for 1st Credits behaviour and will not take kindly to be hauled into Court for their transgressions.

You mean the banks?

When the banks sell the debt what to do?

isuedlowellandwon · 27th January 2007, 22:52

Quote:

Originally Posted by lookinforinfo

One way to possibly hurt them is to take
The other way is to bring untold heat on to the OFT to get off their a***s
and withdraw their licence. It will take quite a lot of complaints though.

I was thinking that the OFT might be liable as per the Human Rights Act to take action against such companies.

I tried a Freedom of Information request on the OFT as to the complaint levels against 1st credit autolinker.com autolinking image

Ltd but they refused to comply with it.

I never asked them for the % of complaints upheld etc, or how they acted in respect of any complaints, just the actual number received. I don't see on what grounds they can reject this request.

lookinforinfo · 28th January 2007, 01:01

I was thinking more when they collect for the bank than when they buy the debt. However, the original creditor still has a duty of care to ensure that
the company that buys the debt acts within the law.

JonCris · 28th January 2007, 08:33

They are an appalling company. They will seek interim charging orders without informing the debtor. Then they will apply for a full charging order at very short notice...........& all with the help of Northampton CC of course.

There is matter coming to court very soon involving this company. Could you please PM me.

jamesys · 28th January 2007, 09:45

Agree. They are the worst I have ever dealt with.
Strange really as I believe they work primarily for Lloyds TSB who have such a wonderful reputation for dealing with customers.:o

JonCris · 28th January 2007, 09:55

Lloyds wonderful!!!!!!!

boy are you going to be disillusioned after spending some time on this site

Can you PM me I would like you to supply evidence (if possible) for a forthcoming matter involving this company.

If you can't please don't feel pressured

jamesys · 28th January 2007, 12:45

I think i was speaking a little tongue in cheek back there!!!!!!!!!. Lloyds are the pits.

lookinforinfo · 28th January 2007, 16:24

Quote:

Originally Posted by isuedlowellandwon

I was thinking that the OFT might be liable as per the Human Rights Act to take action against such companies.

I tried a Freedom of Information request on the OFT as to the complaint levels against 1st credit autolinker.com autolinking image

Ltd but they refused to comply with it.

The OFT is the company to send complaints to-and the more they get, the
greater the chance the OFT wil act. Don't thinkthat the HR Act usually
applies to DCAs.

The Freedom of Information Act Act is kind of disappointing as so many government depts. don't
appear to come under it-the OFT and the Courts being two examples.
l

JOSH_IOU · 28th January 2007, 17:15

A DCA

is not a government department.

A DCA is normally a limited company and normally only chases you because the client has told them to.

This is not there debt so you don't have to deal with the DCA even if you have agreed to pay money to them they cant enforce the agreement.

If your creditors refuse to accept further payments take them to court.
If they register a default on your account dispute it and ask what information the Credit company has on you relating to that debt.

Hope this helps

tifo · 28th January 2007, 19:53

Quote:

Originally Posted by jamesrap

A DCA

is normally a limited company and normally only chases you because the client has told them to.

This is not there debt so you don't have to deal with the DCA even if you have agreed to pay money to them they cant enforce the agreement.

If your creditors refuse to accept further payments take them to court.
If they register a default on your account dispute it and ask what information the Credit company has on you relating to that debt.

if the DCA has legally bought the debt, they are entitled to chase it. Your bank is perfectly entitled to sell the debt within the law.

they only have to produce the proper documents, which they do not always have as they buy lots of debts.

JOSH_IOU · 28th January 2007, 21:11

Ok first point

Did you sign an agreement with the DCA autolinker.com autolinking image

?

JonCris · 28th January 2007, 23:42

1st if a body private or otherwise performs a public function it falls within the HRA.

2nd as DCA autolinker.com autolinking image

's who purchase debts use the Property Act 1925 they may not have any legal right to pursue such forced debtors.

JOSH_IOU · 29th January 2007, 00:32

here here

The Terminator · 29th January 2007, 00:48

I've got a fued going on with this shower at the moment and the thing that made me roll over with laughter was that they sent me a letter saying that I hadn't replied to them when in fact I'd sent them 2 letters recorded.So now they face their worst nightmare

JonCris · 29th January 2007, 01:30

Terminator Watch out.

Their MO appears to be that with the connivance of Northhampton CC they may apply for an interim charging order without you realising it & which you will only learn of when they apply at short notice (again with what would appear the help of NCC) for a full/final order

tifo · 29th January 2007, 11:40

Quote:

Originally Posted by jamesrap

Did you sign an agreement with the DCA autolinker.com autolinking image

?

You will have agreed with the bank when you signed their agreement that they can pass on your details to debt agencies for collection purposes.

Then when a DCA buys the debt they take on all the agreement, but would need to prove to you they actually own it, through a CCA request by you.

Quote:

2nd as DCA's who purchase debts use the Property Act 1925 they may not have any legal right to pursue such forced debtors.

How so?

Quote:

Their MO appears to be that with the connivance of Northhampton CC they may apply for an interim charging order without you realising it & which you will only learn of when they apply at short notice (again with what would appear the help of NCC) for a full/final order

Exactly, the did this with me as well last year. Promised to accept my low payment proposal if they got a charging order, then backed out at court.

JOSH_IOU · 29th January 2007, 12:00

OK lets put it to you another way.

The DCA autolinker.com autolinking image

buy the debt in some case's but cant enforce it because you have not signed an agreement with the DCA it was with the client.

The DCA would have to prove you signed a form with themselves. This is where the problem lies They may own the debt now (hard Cheese). However they can not enforce it. You signed the contract/Aplication form I presume with the client not the DCA.

It might be worth checking if there client is signed up to the OFT or the data protection commisioner.

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