update on this one. checked the credit file, debt is on there assigned to 1st credit as defaulted 12/9.

to be honest ive not paid anything on this particular debt although i am claiming ppi via everyday loans which are the OC. Mckenzie Hall are now advising legal action to be taken shortly!

Is this one of MHs ''we may'', we might'', we could'' threats of court action or have they actually say they WILL take action??

they have said they have been instructed by their client to take action within 7 days if no payment has been made. i have been doing a ppi reclaim via everyday and to be honest not heard from 1st credit in ages.

std crap

instructed.

dx

i shall ignore once again, thanks.

I have an old Everyday loans debt from 2007. It was passed to 1st Credit who registered it as a default on my credit file in 2009.

The debt is at 2k, i ceased payments this year to 1st credit due to unemployment. i now have McKenzie Hall chasing with the usual spiel of taking me to court etc...

1st Credit are now refusing to negotiate with me. Do i just deal with OC from now on as i am claiming PPI back from them directly?

Your PPI claim should be lodged with the oiginal creditor and not a Collection Agent. In addition, if you are in Scotland the debt MAY be Statute Barred in any case (Scotland after 5 Years) This of course is dependant on when you last made payment or provided written acknowledgement and not the default date. If your are in any other part of the mainland the SB period is 6 years. This being the case go for PPI and charges.

Skyblue stated he/she ceased payments this year so def not SB.

Sorry, I read it quickly and missed this point. I wiil shut my gob.

I have an old Everyday loans debt from 2007. It was passed to 1st Credit who registered it as a default on my credit file in 2009.

 

The debt is at 2k, i ceased payments this year to 1st credit due to unemployment. i now have McKenzie Hall chasing with the usual spiel of taking me to court etc...

 

1st Credit are now refusing to negotiate with me. Do i just deal with OC from now on as i am claiming PPI back from them directly?

will the ppi & PENALTY charges wipe the debt?

dx

Hopefully i am waiting for a SAR from Everyday but have McKenzie Hall chasing. do i tell them i am dealing with OC directly?

four threads on same debt merged for history

please keep to ONE THREAD

per debt

no i'd ignore the dca's

you have numerous discount letters..

get that reclaiming going!!

dx

thanks DX. Well i am in the process of reclaiming so ill tell Mc Hall that i am dealing with OC only if they write back again.

Apologied for rebumping this one. Having been unwell in the last couple of years, I have not done anything with this debt

I have continued to pay £1 a month to 1st credit leaving the debt at £1989 (in their letters) bit getting offers to settle for £700.

Having reread the previous advice.

I have now cancelled the payment and logged a complaint for PPI with Everyday.

Is there anything else I need to do. SAR for any other charges?

Apologies for being unclear on this, would any charges vastly clear the debt?

thanks in advance.

well without all the statements we nor you know if there are other charges.

welcome back!!

thanks DX. Been a while.

ill get a SAR ordered. the ppi complaint is going through already so ill get checking on the rest. its about time this account was put to bed.

yes shame you kept paying

would be statute barred now if you'd stopped when 1st advised

yes. really should have followed up.

ok, well ive stopped the payments now and will see what can be done with the reclaiming. will post up docs when received.

update on this one. ppi reclaim was done bit only reduced the debt by £150.

i have stopped paying but the letters have started to come through although 1st credit are now rebranded as Intrum.

I have ordered a SAR to check for extra charges.

well there wont be any extra charges if it had already been sold on to a DCA and you sent the 1st sar.

dca 's cant add anything

so thats the reclaiming done. if they keep offering discounts, must be no paperwork?