Thread: Help me please - I am useless and don't know what to do..

Help me. Probably posting this in totally the wrong place... but here goes.
I was contacted by a company called 1st credit towards the end of 2006 asking me to pay £2000 for a Abbey CARD. I have never had a Abbey card; infact I have only every dealt with Barclays. I tried to ring; and after asking me LOADS of personal questions they asked me to send my passport to them. I refused. They got really nasty; and I ended the call and contacted the police. They were great; they gave me a crime reference number and took away copies of all the paperwork. They contacted the company on my behalf and requested a copy of signed credit agreement. 1st credit passed the police on to another finance company; who said that they would send the paperwork within 12 days. It never arrived; a month later the police contacted them again; and was told the card debt dated back to 2001 - but still nothing was sent.... Three months later the police got back to me and as neither of us had received anything more so she closed the case. Heard nothing more until this sat when I received a threatening letter again saying that they were going to make a claim on my house. WHAT do I do. Haven't ever dealt with anything like before - and haven't got any CCJs. HELP ME PLEASE..

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hi number 123
glad your back, we can deal with this now
who is the new debt collection agency

A company called 1st credit; although the letter is on flimsy paper and is photocopied. When I first received something from them I thought they were a bogus company.

Sorry I misunderstood. The first 2 letters sent to me in 2006 were from 1st credit; and the one then sent this Saturday is also from 1st Credit.

first thing is dont panic, this can be sorted quite quickly
1st crud are well known on this forum
my advice would be to contact the original copper who delt with this, ime sure he will put the fear of god into them over this.
they have allready committed an offence under the adinistration of justice act, and having a copper behind you, say no more

when you speak to the copper get him to tell them this matter is closed.

the DCA cannot put a charge on your house with out a ccj, thats a long, long way off
and if they put in a claim is can be easy to defend under the circumstances
first thing
never talk to a dca, every thing in writing, if they call refuse to answer there security questions

dont worry about this, its in the bag

great minds think alike

Originally Posted by babybear39

Subscribing...

I must be psychic 'cos I thought it may be 1st crud

Its funny coz i started to read the thread thinking this person must be in real trouble here & need some advice...then the name "1st Credit" was mentioned & then i instantly knew the OP would be ok & have nothing to worry about

number 123
a quick pointer
check your credit ref files
if 1st crud have messed them up, you are on for some seriouse comp
ilets see them explain that in front of a judge as a copper has been dealing with it

number123 - I realise that this can be scary, especially if its a mistake by 1st crud and you don't owe them anything. Do not worry, there are many many people 100% behind you here, all of which will support you and help you to slowly and painfully turn the knife into them.

They have inflicted untold misery on so many people. You have nothing to worry about. They have absolutely no authority to harrass you in any way shape or form.

All the best, we are here to help

Thanks. You have all made me feel loads better. I am so glad that I got the police involved when the first letter arrived; and that I have it on a police file that they could not send any evidence of the debt to me. I will put in a letter that I thought this matter was closed in 2006 when no paperwork was sent to either me or the police; and quote all the relevant reference numbers. I will send this recorded delivery; and then I am going to sit back; and do nothing. If they want to persue it I will just keep telling them to contact Derbyshire Constablary.

Incidently I have obtained a copy of my credit file last week as I got turned down for a mortgage application. There is nothing on my file from Abbey; or 1st credit at all. Although I will keep checking. If it is true that ABBEY thought I had a card why haven't they been chasing me in the last 10 years; I have nevery received any correspondence from them; and have never changed address.

Incidently the debt that they are chasing off me was for a card supposdedly used in 2000; so the police did say that it would have been statute barred when they chased the first time - is this true?

By the way the reason I got turned down for a mortgage is because Halifax put a default on my credit history as I owed £3 still on a old load cleared 4 years ago!!! However I have been told by the onbudsman that they aren't allowed to do this so they are persuing it on my behalf. Hopefully shortly I will be able to put 1st credit to rest' and obtain my new mortgage. Finances are such a mindfield!!!!

correct
debt statute barred if no correspondents or payment in six years
what has prob happened is 1st crud have done a search and they have thought bingo
simmilar name dob etc
check your credit file under searches

are you kidding me
a default for £3
that realy takes the &*&^
glad that is being sorted by the fos

number 123
when you send your letter,
print your name, never sign
its for your protection

Good point. I am sure they will stop at nothing... I am actually quite a strong person; but these people did put the wind up me! and when I received the letter I did think "what a load of rubbish" but then after I started to panic; wondering if they could make a claim on my home; or make me bankrupt as they are threatening.

What I can't understand is why these people would write to anybody about a debt that is 8 or 9 years old anyway. Surely no court would be interested... Or is it that there success is the scare tactics that they use? Maybe they can frighten people into paying things that they know nothing about. It ought to be illegal to treat people like this; and I understand that some of these DCAs are actually affiliated to banks.

Scary Thought.

I have a barclaycard; and I am sure that if I stopped paying this they would be on my back within a few days; So why in the case of the mysterious Abbey CARD - Nothing for over 7 years... This must be a windup.

what has happend 1st crud have purchessed a statute barred debt for pennies hoping for some one who is gullable will pay
this will not go to court
its just scare tacticts

they are nothing more than a tooth less bear

we all know the tricks of a DCA

if any developments on this matter
just keep your thread updated

Will do. So hopefully I won't lose my home or be declared bankrupt.
Incidently I only found this site as I did a search in google for 1st credit; It has now made me decide to go away and try and get my bank charges back. lol

You will NOT lose your home. Worst Credit are full of S***. The alleged debt is statute barred for a start so they cannot enforce it through a Court. What I suspect has happened here is that Worst Credit dropped this like a stone when the boys in blue became involved and probably forgot about it. You checked your Credit Files recently and next thing you know Worst Credit are on your case. (THIS IS NO COINCIDEDNCE) Unless you kick them where it hurts now they will pass it on to their bully boys in CONnaught Collections who are in my humble opinion Bigger Shysters than their buddies in Reigate allegedly. Shortly you will receive a letter purporting to come from their pseudo solicitors LCS (who as far as I am aware have only one soliciyor employed).

Take these people as far as you can by complaining to Trading Standards and the Office of Fair Trading. I also recomend you report them to you MP.

Stangely enought Connaught ringa bell. I have a feeling when the police got involved last time; I know that I received a total of four letters in one month; and I am sure that the very last one was from Connaught. In fact you know it may have even been those that the police contacted in the first place; and then 1st credit.

I had forgotton about that.

And it is true this Saturdays offering did say something about they had checked and understood that owned my freehold property and that they were passing it on to their legal team.

So you thread is really starting to ring true.

I have just posted a letter to 1st credit saying that I have handed it back to the police. It is my intention now to simply reply to every single bit of correspondence with a copy of the letter I have just sent. Do you think this is hiding my head in the sand. IF I receive any more letters off them I could copy the same letter quoting the crime information; but also copy in all the relevant bodies - so they can see that I now have more bodies involved. What do you think???

Do first credit know then that I have recently checked my credit history??? how - and if so why are they able to access personal information about me???

its well known that DCA and cra are in cahoots with each outher
they think you are the person who owes this debt,
so the dca are using that as an excuse to search your cra files
unlawful i know, but they do it
its prob the cra who tipped off 1st credit when you asked for your credit file.
tell 1st credit that if you receive any more demands you will consider it an offence under the admin of justice act and make a complaint to the police.
if they do, do it
use the original copper who handled your complaint
that should give them somthing to think about