Thread: 1st Credit / Connaught Collections - what next?

way over due

click the blue DCA
and send template 20

account in dispute tell them so

you are entitled to stop payments untill (if ever) they produce
choice is yours.

SAMLOWELL DETESTER

Hi Fossell,

If Connaught have acknowledged the CCA request, keep dealing with them but send copy letters, including a copy of the CCA request to 1st credit.

Im filling out my 'failure to send CC letter'.

The date I put here:

You have failed to comply with my request, and as such the account entered default on **DATE** (12+2 days after you made the initial request).

Is that 12+2 'working' days from the date I 'sent' it or from the date they 'received' it?

Also I didnt request an SAR from them as I have all my statements. Should I remove the following from the Account in Dispute letter?: 'In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.'

It's 12 working days plus 2 more for them to receive it - ie 14 working days total.

I assume you've found a suitable letter to tell them the a/c is in dispute.

Hi Fossell,

As they've gone quiet on this, why send them the dispute letter.

It's clear the a/c is in dispute, whether you've told them so in writing or not. Let sleeping dogs lie !! Otherwise, they'll be back, snapping at your ankles again.

However, I would pursue the issue of penalty charges added to the a/c because BC will only supply data going back 6 years from the SAR date. So, unless you have all your old statements already, send off for them now.

If you claim interest in restitution, this should make a larger dent in the a/c balance if you are willing to see the claim through to court. BC will normally only agree to settle just before a final hearing date.

Was there any mis-sold PPI on the a/c ?

I just assumed a dispute letter made something legally binding etc?

Haha, BC don't do Legally Binding - they pretty much ignore anything you say, until you have them pinned up against the wall of your local county court.

whats interest in restitution?

If you hover your mouse over the blue words, a little info box pops up.

For more about restitutionary interest, read the Interest Tutorial at Link No6 in my signature below.

Filing for penalty charges may well arouse them but this is unavoidable. At least you can prepare all your figures in readiness, without them calling every 5 minutes.

Connaught Collections UK, Ltd. provides credit management and debt collection services. It also offers litigation and insolvency services. The company was founded in 1993 and is based in Croydon, the United Kingdom. As of December 23, 2005 Connaught Collections UK, Ltd. is a subsidiary of 1st credit, Ltd.