Ok will do that and the fact I am waiting on the SAR.. I can't believe they are messing around like it..it's already had a statuary demand set aside and costs paid to me by 1st Credit, I don't know why they think sending some downloaded t&cs (which are incorrect anyway) will make an iota of difference, they should realise I have a little bit of savvy and won't just roll over for them...guess they are just pretty stupid..

Ok will do that and the fact I am waiting on the SAR.. I can't believe they are messing around like it..it's already had a statuary demand set aside and costs paid to me by 1st Credit, I don't know why they think sending some downloaded t&cs (which are incorrect anyway) will make an iota of difference, they should realise I have a little bit of savvy and won't just roll over for them...guess they are just pretty stupid..

Because 1st Crud are incompetent in many ways they seem to believe everyone will fall for their nonsense.

Can someone please clarify for me.....a recon agreement has to be identical to what was signed? T&cs should be word for word as they would have appeared in the original leaflets? And if pre 2007 the original signed agreement would need to be produced if it went to court?

Thanks

already answered from post 108

ignore them

dx

Can someone please clarify for me.....a recon agreement has to be identical to what was signed? T&cs should be word for word as they would have appeared in the original leaflets? And if pre 2007 the original signed agreement would need to be produced if it went to court?

 

Thanks

Correct.

Recon does not need signatures, must have name & address at inception same for creditor, the original TS & Cs the final ones and all amendment + any other docs mentioned in them.

ALL the financial data must be that applicable through out the life of the agreement.

Sorry to appear stupid, but does that mean they should have provided me with every set of terms and conditions then wince account was opened up to when it was defaulted and not just the two sets they have sent me from account opening and default date?

Sorry to appear stupid, but does that mean they should have provided me with every set of terms and conditions then wince account was opened up to when it was defaulted and not just the two sets they have sent me from account opening and default date?

Ts & Cs at inception and closure and any " material" amendments during the life of the agreement.

If there have been amendments to the agreement unique to the account holder a recon will not suffice anyway...must be the original executed agreement.

How would I know though if there had been any amendments in between..oh I wish this would go away, it's doing my head in!

your interest rate must have changed in all that time DM:-)

Yes I'm sure you are correct, it must have, I will remind them if the need arises! Thank you! Would something like a change of addess?

Today is 1st August and according to my records this one is now statute barred

I received a default notice in feb 2008 and continued making small payments to Citi up until the account was sold to 1st Credit. The last payment I made was 1st August 2008.

I'm hoping someone can tell me I am correct in my thinking so that if/when they contact me again I can send them the statute barred letter.

Thanks

Today is 1st August and according to my records this one is now statute barred

 

I received a default notice in feb 2008 and continued making small payments to Citi up until the account was sold to 1st Credit. The last payment I made was 1st August 2008.

 

I'm hoping someone can tell me I am correct in my thinking so that if/when they contact me again I can send them the statute barred letter.

 

Thanks

A default notice does not indicate the date a default was actually placed this maybe some months later.

Check credit files for the accurate default date.

Then send the SB letter after the default comes off the CRA files.

1st Credit have been known to come up with "phantom" payments.

The default was placed on my credit file in February 2008 and dropped off in February this year...I have had statements from 1st showing no payments so they would be daft to try that one,but then again it's 1st credit so anything is possible. I was not going to contact them until they contact me again...the last I heard was a few months ago when they were handing over to their solicitors again!

The default was placed on my credit file in February 2008 and dropped off in February this year...I have had statements from 1st showing no payments so they would be daft to try that one,but then again it's 1st credit so anything is possible. I was not going to contact them until they contact me again...the last I heard was a few months ago when they were handing over to their solicitors again!

Stop them in their devious tracks then SB letter with a warning never to contact you again.

Please can someone point me in the direction of the stature barred letter. Had a letter from Connaught collections today and I want to tell them where to shove it...thanks

It's ok, I found it!

Oh l have been waiting for u to post.

here is a GM special for you up to u if u use it but it might not be to there liking.

Dear idiots.

Ref:-

this alleged debt is statue Barred under the limitations act of and as result you are NOT getting 1 pennie of my hard earnt money, unlike urs which is earnt by bullying people.

Go forth BUT DONT MULTIPLY we have enough of you already.

Enjoy your day

Hugs and kisses

DM.

I no its not as good as the CAG one but defently more entertaining.

Lol I will keep that one to use if they don't understand the CAG one I've sent!

Hope you are well x

Letter back from Connaught today acknowledging my email regarding statute barred and saying they are reverting to the original creditor and will get back to me in due course..not sue what it's got to do with citi actually as they sold it...but perhaps they want to find out date of last payment, they could have asked me, I have it showing in the statement!

Letter back from Connaught today acknowledging my email regarding statute barred and saying they are reverting to the original creditor and will get back to me in due course..not sue what it's got to do with citi actually as they sold it...but perhaps they want to find out date of last payment, they could have asked me, I have it showing in the statement!

Connaught/1st Crudit will be looking for payments in the limitations period 1st are masters of the mystery £1 or £10 one off payment claim, as these sums "just happen" ha bl**dy ha to be the stat fees for CCA and SA requests..

They did send me yearly statement which showed the same balance each year so hopefully they will just go back to citi to see when my last payment was, it was 1st August 2008, and I still have the statement! 1st credit have never had a penny off me and never will!

Received confirmation today from 1st Credit that this account is statute barred and they will not be chasing me for it anymore even though the debt still legally exists.

Thank you to everyone who has contributed to this thread and helped me with this over the past few years.

cer the next fleecer

dx

Well done DM there at last