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Halifax card and 1st credit


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which you should be well vested in spotting having been here so long now

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Did make me wonder why they sent that nonsense?

 

Keep rattling their cage and they're gonna bite.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yes I realise that now Bazooka but I kept getting discount offers, some old statement printouts (not originals), copies of terms and conditions with my address typed in, then various County Court threats.

 

I only responded in writing to remind them that they had previously failed to provide a copy of a signed credit agreement and to stop harassing me.

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well don't!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Just an up-date on my situation.

 

I did not respond further to last correspondence from 1st Credit.

 

I have today now received a further letter threatening internal legal department proceedings if I do not respond within 10 days to discuss a repayment plan.

 

Is this just their usual practice and I just ignore it?

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scan up to pdf

read upload

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx please see attached.

 

Previously sent copies of old statements and prescribed terms.

 

No signed CCA agreement.

 

Would they be witholding the agreement do you think?

 

Further to my previous post, I have up-loaded previous correspondence received from 1st Credit.

 

I am a bit confused regarding the comments iro submission of a signed CCA agreement.

 

My original request was in 2015 and never provided and I stopped making payments.

 

Thanks for looking and any comments appreciated.

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ignore the pointless twaddle

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thanks dx so just bin it then?

 

NO!!! NEVER ever bin anything, you ALWAYS keep their tripe and file it away for future reference, and to support any counter arguments.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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well scan and bin or give it to hampster

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

so you might get a new PAP letter then...

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

when you get 5 mins

can you scan up the FULL CCA return again please its not here anymore

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Please see attached page 2 of letter dated 16th October, 2017 (page 1 on post # 23).

 

Do I again request a signed copy of agreement?

 

Are 1st Credit correct in saying that they have no need to provide an executed copy?

 

First pages of copies of agreements sent, one for each of my addresses attached.

 

Any help would be appreciated.

 

Thanks

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bogroll

there should be pages of T&C's

see other Halifax card threads

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks again dx.

 

Please see attached full copies of agreement details sent by 1st Credit, one for original address when opened (APR 28.70%) and one for my current address (APR19.90%).

 

And as my earlier posts they also sent a statement of account and some computer generated statements from 2006, in which are showing agreement number from 1990's when opened as changed thereafter.

 

Any further comments would again be appreciated.

 

Thanks for your time and any further comments.

img20171204_20524685.pdf

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for a 1991 card takeout utter.....

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 year later...

Just before christmas this issue raised it's ugly head again but this time a letter from Intrum advising that no contact has been made to set-up repayment plan.

 

Still never received a copy of the original signed agreement and T & C's.

 

They then went on to say that it was now being passed to Resolvecall.

 

Just ignored it / filed away.

 

Then received another letter this time from Resolvecall, asking to contact them.

 

Again Ignored and filed.

 

Then another letter received from Resolvecall advising that they are acting as a re-connection company and someone will be visiting property within 7 days.

 

Well yesterday I got home from work and there was a first time Resolvecall visit card through our letterbox.

 

Do I just ignore again?

Do I request another CCA?

Do I send them a letter regarding failure to provide details etc?

 

Any advice would be appreciated thanks.

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