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Epsilon

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  1. Thanks Sliverfox. Your first sentence made me laugh, which was a nice thing to be able to do. I haven't had to wait very long for their next letter which reads: 'We wrote to you recently outlining our intentions to issue Bankruptcy proceedings against you. Having performed a review of your account we have concluded that the pursual of Bankruptcy proceedings against you is no longer a fair and reasonable outcome at this moment in time. It is however our intention to pursue an alternate method of enforcement to secure this debt. You will shortly receive letters detailing the methods that may be pursued. Please contact us on xxx within 10 days to discuss the repayment options available to you based on your current financial circumstances. Should no contact be forthcoming your account will be passed to our solicitors with an instruction to issue legal proceedings once Civil Procedure Rules have been complied with (e.g. after a Letter Before Claim has been sent). Ultimately we do not want to take this course of action and we would prefer to come to a repayment that is both affordable and sustainable for you. If you are experiencing financial difficulties...' etc. As always, any advice on what they may try next will be much appreciated. Epsilon
  2. After a few more threatening letters , I’ve received a letter this week stating that my account has been passed to 1st Credit’s Legal Department. The account will be held for 10 days . “If we do not hear from you, your account will be subject to a case review that may result in a ‘statutory demand’ being issued, which is a formal step prior to issuing bankruptcy proceedings.” There’s that word ‘may’ again. I’ll wait and see what they do. Epsilon
  3. Thank you Ford & dx100uk for your advice and support. I'll think about what to do this weekend. Epsilon
  4. I've just received a letter from 1st Credit headed: Bankruptcy proceedings are being considered. They go on to say, "You haven't begun repayment of this debt. Regrettably, we are considering whether we should issue a statutory demand under the Insolvency Act (1986) , which could result in bankruptcy proceedings being issued against you." etc I'm tired of receiving their threats and I think I should send them a statute barred letter as then the onus is on them to prove it's not statute barred. They did send me a statutory demand back in 2008. I applied to the court to have it set aside. I turned up on the due date. They didn't. Obviously it was dismissed. Epsilon
  5. Update - it's been a while since I've posted anything but 1st Credit have become active again. CSL wrote a couple more letters threatening doorstep collections but their last letter was in June 2013. 1st Credit have sent annual statements each October plus “Special Low Discount Opportunity” letters. 1st Credit have made credit searches in Oct 15 and Apr 16 with the agency Call Credit with the indicated purpose of debt collection. Are they allowed to do this? In April 2016 I received a Notice of Assignment letter from Citifinancial: “This letter is to inform you that, with effect from 27/05/2008, under a written assignment, we have assigned your contract to 1st Credit (Finance) Limited of… This means that we have assigned to 1st Credit (Finance) Limited the outstanding balance as at that date and all of our rights and interests in our agreement with you under the above account reference number. This letter is our formal notice to you of the assignment. From now on you must direct all payments due under the agreement, as well as all correspondence and enquiries, to 1st Credit Limited, the servicing company for 1st Credit (Finance) Limited at… Although the assignment does not effect (sic) the terms of your agreement, you should note that from now on, no variation, amendment, release of waiver of your obligation to make payment may be made or granted without the previous written consent of 1st Credit (Finance) Limited of 1st Credit Limited, on its behalf.” A few days later, I received a letter from 1st Credit to introduce themselves! They also stated in the letter, “We ask you to contact this office immediately so we can agree payment terms with you.” Then, I’ve received a ‘Let Us Help’ letter from 1st Credit: “If we don’t hear from you, we can’t help. We are the first in our industry to achieve the highest 3 star accolade from an independent assessment of customer survey responses carried out by ‘Investor in Customers’. From the first time we speak to our customers we endeavor (sic) to understand individual circumstances and discuss the details in a constructive and confidential manner. Please contact us on … to discuss the repayment options available to you based on your current financial circumstances. Alternatively, please refer to the available contact methods at the top of this letter. Should no contact be made with 1st Credit an escalation in collections activity may be considered, which could have a detrimental impact on your credit file. We would prefer to not pursue this course of action and encourage you to engage with us to reach a resolution.” Very helpfully they include an income and expenditure form for completion. Also amazing they are bragging about received a 3 star accolade! I’ve recently opened accounts with Clearscore (data provided by Equifax) and Noddle (data provided by Call Credit) and there is nothing showing for either 1st Credit nor Citifinancial. Is this just a fishing expedition by 1st Credit? Should I send them the Statute Barred letter, amended to my own circumstances? I’ve made no payments to either Citifinancial nor 1st Credit since 2008 and although I had to write to 1st Credit in 2011 regarding telephone harassment and threats of doorstep collection activity, I clearly stated at the top of the letter I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY YOU CLAIM TO REPRESENT. As ever, thank you for any advice you can give me. Epsilon
  6. For anyone following this saga, here's an update. 1st Crud have sent through exactly the same letter as I posted on 9th November, except that this time, they've decided to engage the services of Credit Security Limited. Credit Security have then written to say: "As Field Agents for the above Client we have been instructed to collect the above outstanding debt. If we do not hear from you within the next 10 days a Doorstep Collector will be instructed to visit you to discuss your circumstances and arrange a suitable repayment programme. To avoid this action please send a payment or repayment proposal etc" I will send them the standard Doorstep letter and see what happens. Epsilon
  7. Although I've sent the doorstep reply letter to Muck Hall by recorded delivery, it's been ignored: "ATTENTION - REQUIRES IMMEDIATE ACTION Our client 1st Credit Limited, has instructed us to commence with pre-litgation (sic) doorstep visits against you for the balance outstanding. To avoid this action a monthly repayment plan must be in place within the next 7 days. You can set your Direct Debit arrangement by telephone, calling one of our operators on 0844 etc. We require a first payment of £x on 03/02/2013, followed by instalments of £x from 03/03/2013 until the balance is cleared. No response to resolve this matter will leave us with no option but to sanction a doorstep visit to your property by our field collectors, Meritforce. Yours faithfully etc" What's best? Resend the doorstep reply letter by recorded delivery again? As always, all advice is gratefully received. Epsilon
  8. New letter received from Muck Hall: "REDUCED SETTLEMENT OFFER Dear x Despite repeated efforts for payment by our client, the above account remains unpaid. Our clients are unaware of any legitimate reason for non-payment. However, they are willing to accept a reduced settlement figure in order to draw the matter to a close. __________________________________________________________________________ Our offer of full and final settlement = £x To be paid no later than x date __________________________________________________________________________ Payment can be made by calling our offices on etc with your debit or credit card details, or by using one of the alternative methods on the reverse of this letter. Our client would prefer an amicable settlement, however, should the settlement amount not be paid by the specified date, they will not hesitate to take such further action as may be appropriate. Should you have any questions, please telephone our offices on telephone number etc." Seems to me I've received many letters similar to this already. As always though, any advice is gratefully received. Epsilon
  9. Letter received from Meritforce Doorstep Collection Agents "AUTHORISED COLLECTOR VISIT Due to non-payment of the above we have been instructed by Mackenzie Hall Limited to collect this debt on their behalf. An authorised collector may make a visit to your property within the next 10 days. Should our collector inform us that no positive commitment towards clearing the debt has taken place, your account will be returned to this office and formal proceedings may be considered. If you do not want our collector to call and would rather arrange settlement, you must contact our Clients Mackenzie Hall Limited on xxx asking for xxx before the 6th December 2012 Should you fail to make a payment and action is taken, additional costs may be added to your debt. We look forward to hearing from you. No more reminders will be sent. Yours sincerely" This is from the "Doorstep Collections Manager" at Meritforce. The one piece of good news I see on here is that 'no more reminders will be sent'! I guess my best action is to send Meritforce the doorstep letter that Enron kindly provided on 10th November above. As always, all advice is gratefully received. Epsilon
  10. Well, I didn't have to wait very long to hear from Muck Hall. "Reference: x Client Reference: x Pursuers: 1st Credit Limited Original Creditor: Citicards Principal Sum: £x NOTICE OF OVERDUE ACCOUNT Dear x We are instructed by our client to recover the outstanding balance of this Overdue Account. Despite repeated requests for payment your overdue account with our client still remains outstanding. Accordingly, we may now have no other alternative than to advise our client to take such further action as may be appropriate. ___________________________________________________________________________________ This letter is to inform you of our client's intended action, even if you do not adknowledge (sic) this. It is now imperative that you contact this office within the next 72 hours to settle this account. By doing so, you are showing an interest to resolve this matter and we will endeavour to come to an amicable conclusion to this matter. Should you decide to ignore this advice, our client will not hesitate to instruct the appropriate action be taken against you to recover the outstanding balance in full. To avoid any further action, payment must be lodged at this office within the next 72 hours. If this is not possible please contact x immediately. Important: If you are not the named person above please contact us quoting Address ID to stop any further communication. Yours sincerely etc" Obviously I intend to ignore. Epsilon
  11. Dear dx100uk, SteveH2508, coledog & Enron Thank you very much for your replies, advice & humour! I mistakenly thought 1st Crud were rock bottom. Is it really possible to go lower? I'll wait and see if Muck Hall write to me suggesting they might make a doorstep visit and then I'll use the doorstep letter above. Epsilon
  12. Account Transferred to Mackenzie Hall New letter received which reads: "Dear x Current Balance: £x We refer to the above and to our numerous previous attempts to discuss with you the payment of this outstanding debt. We are disappointed that despite our attempts you have either not communicated with us or paid the debt in full. Given the above we have decided to engage the services of Mackenzie Hall and your account has been transferred to them. Our instructions to Mackenzie Hall are to seek to obtain the outstanding debt on our behalf. As part of their collection activity Mackenzie Hall may visit you at your property in order to discuss with you the outstanding debt. The intended outcome of any visit is to achieve the repayment of the debt. Mackenzie Hall will communicate with you before they visit you. Whilst your account is with Mackenzie Hall any payments and correspondence regarding your account should be directed to them. Please contact Mackenzie Hall directly regarding this account on 01563 556515. Yours sincerely etc" As always, all advice is gratefully received. Epsilon
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