HI I know this has nothing to do with debt but I stoopidly parked on double yellows today in nottingham, I came back about 15 mins later to find that the warden was giving me a ticket, I am aware that I am able to appeal, but can any one pls help and give me some advice to what grounds I can appeal on against the £30 - £60 ticket thanks

excellent stuff guys, i will send them that letter, the 14 days are up and next week will be the 30 days, so they will have committed the offence, do u think they will take me to court

hi yes i sent it and it was recorded, the post office confirmed that it was signed 4 what does this mean

Hi, I have had a debt with 1st credit of £415 which I was paying for a few months at £1oo p/m. I then discovered this site and sent them a CCA. I also stopped all payments. They failed to return anything to me and next week a month will be up and they would have committed an offence. Today in the post I recieved a letter from their solicitors stating that if I don not pay the full Balance withing 14 days they will commence legal proceedings against me in a count court. The letter also states that if they do this they will also look to get solicitors fees, interest and court costs from me. I was under the impression that since I sent them a CCA that the debt was in dispute and that they could not start legal proceedings against me. Does any one think that they would start proceedings against me for £415 and would i have to pay all the costs. I have been advised in the past to ignore all letters and calls from them, but I dont want to really go court , but I dont think they can provide me with a CCA. Please help as this has me a lil worried no. What should I do also if I am issued a ccj can I pay it with 28 days and then the CCJ will not stand. Is this true thanks Jay

Hi, yes i aleays send everything recorded delivery, the post office advised that it was signed for

Hi, I have had a debt with 1st credit of £415 which I was paying for a few months at £1oo p/m. I then discovered this site and sent them a CCA. I also stopped all payments. They failed to return anything to me and next week a month will be up and they would have committed an offence. Today in the post I recieved a letter from their solicitors stating that if I don not pay the full Balance withing 14 days they will commence legal proceedings against me in a count court. The letter also states that if they do this they will also look to get solicitors fees, interest and court costs from me. I was under the impression that since I sent them a CCA that the debt was in dispute and that they could not start legal proceedings against me. Does any one think that they would start proceedings against me for £415 and would i have to pay all the costs. I have been advised in the past to ignore all letters and calls from them, but I dont want to really go court , but I dont think they can provide me with a CCA. Please help as this has me a lil worried no. What should I do also if I am issued a ccj can I pay it with 28 days and then the CCJ will not stand. Is this true thanks Jay

Hi its been more than 14 days now and 1st credit have still not complied with a CCA that I sent, even tho the debt is in dispute, I have continued to get calls which I have not answered and also a letter today saying that I still owe them £400, ( I stopped paying them until I could get a copy of the CCA) I was thinking that I should write back to them as they threatened to take legal proceeding against me and this is my last chance. What should I write in the letter

Go to your cab

thanks your a star, so they have till monday and if they dont supply it I can forget about the debt which is great news, the likelihood they will take me to court over £400 is low and even if they did they have to say why they committed an offence

Hey thanks for clearing that up for me, if they do not supply the agreement within 1 month would that means that have committed an offence, does it also mean that they are not allowed to collect the debt any more

Hi both thanks for your replies, when u say a true copy do u mean the original, not a photo copy should I stop paying 1st credit then the debt is less than 6 years old and it is still on my credit file and I have only 3 months left till its removed. Its about £400 and I dont really want to go to court, If they cant supply a CCA then does that mean that they dont any legal right to collect the debt. If i request a cca is the debt in dispute, what about the £600 that I have already gave them how would i claim this back as I dont believe they will suppy the original agreement By the way what are the actual time frames for a cca, what happens if they dont supply anything after 12 working days

Hi, I just has a call from 1st credit stating that they wanted to know why I had sent them a pound, i advised as stated in the letter that I sent them that it was for the a copy the agreement. They advised me that they have sent a request to HSBC and that it may take at least a month and that it will not be an original. She then advised me that they had rang me in error. I have been paying them monthly payments for 4 months now, If 1st Credit cant supply a credit agreement do i still have to pay the debt as they said I had admitted liability, which I have, does the credit agreement they supply have to be the original as thgey told me to get on touch with HSBC for the original. Do I have to do this? Finally she said that they sent a letter by accident to me saying that the outstanding balance had been paid, she told me to ignore this, and made a point of telling me that the call was recorded and again saying that it was on record that she had jus told me to ignore this. I said that I would try and then i said to write to me in the future which she didnt like and she went on to say that the solicitors would contact me and I said they could then she hang up, what do u think will hapepen now thanks

Hi every1, I have written 2 letters to NatWest stating that I want a S.A.R - (Subject Access Request), i have also included a postal oredr. They responded to the 1st letter stating taht they need the correct acct number etc. I supplied this so was a lil confused when they wrote back requesting this. My second letter again requested a S.A.R - (Subject Access Request) with a postal order, thia time i sent a copy of the deed of assignment that I was sent by the DCA , This was on NatWest letter headed paper and contained the account number. So as far as I was cocerned they had all the information and they would have no choice but to comply with the SAR. This morning I got a letter saying exactly the same thing that they could not locate the account. I have no idea what to do now as I have given them the account number that was on the deed of assigment. This was sent to be by a company called trimpuh. The was defaulted more than six years ago and i paid triump about a year ago now. All i wanted to do was claim the unlawful charges back, Can any 1 please help and tell me what to do as NatWest dont appear to recognise the acct num and sort code thanks

hey nattie whats a stickie

If any one can pls help to answer my question on the forst post i would really appreciate it as I have to pay on friday thx

HI it was opened in 1999/2000

You can do that or u can contact the dca again and ask them to contact experian on ya behalf and also send you writte confrmation that they have updated your credit file

Hi i am pretty sure that I have the correct acct number, i have wriitten them 1 final letter requesting that they look once again or i will report them to the informtion commisioner

Hey Ginger, so did u ever pay 1st credit at all, what about my situation what woul dyou reccomend that I do, should I cont to pay as the debt is nearly cleared or should I leave it until I get a CCA

Hi, I just has a call from 1st credit stating that they wanted to know why I had sent them a pound, i advised as stated in the letter that I sent them that it was for the a copy the agreement. They advised me that they have sent a request to HSBC and that it may take at least a month and that it will not be an original. She then advised me that they had rang me in error. I have been paying them monthly payments for 4 months now, If 1st Credit cant supply a credit agreement do i still have to pay the debt as they said I had admitted liability, which I have, does the credit agreement they supply have to be the original as thgey told me to get on touch with HSBC for the original. Do I have to do this? Finally she said that they sent a letter by accident to me saying that the outstanding balance had been paid, she told me to ignore this, and made a point of telling me that the call was recorded and again saying that it was on record that she had jus told me to ignore this. I said that I would try and then i said to write to me in the future which she didnt like and she went on to say that the solicitors would contact me and I said they could then she hang up, what do u think will hapepen now thanks

hey, yep its definetley Natwests acct number, and I have requested the charges and statements whats should i say then

Hi thanks for the replies guy, the only acct number that I have is the one that is on the deed of assignment> i attched this to both letters and also included it clearly in my letter. Natwest are saying that this is not a valid acct number. I am confuesed as it is actually on the deed of assignemnt so i know that it is valid. I am going to write another letter to them, what should I say. Should i mention that i will write to the information commisioner or that I will write to the financial ombudsman as they have the acct number as its on the doxument that they supplied me and they are failing to comply ,

Hi every1, I have written 2 letters to natwest stating that I want a SAR, i have also included a postal oredr. They responded to the 1st letter stating taht they need the correct acct number etc. I supplied this so was a lil confused when they wrote back requesting this. My second letter again requested a SAR with a postal order, thia time i sent a copy of the deed of assignment that I was sent by the DCA , This was on natwest letter headed paper and contained the account number. So as far as I was cocerned they had all the information and they would have no choice but to comply with the SAR. This morning I got a letter saying exactly the same thing that they could not locate the account. I have no idea what to do now as I have given them the account number that was on the deed of assigment. This was sent to be by a company called trimpuh. The was defaulted more than six years ago and i paid triump about a year ago now. All i wanted to do was claim the unlawful charges back, Can any 1 please help and tell me what to do as natwest dont appear to recognise the acct num and sort code thanks

I have a normal savings acct with halifax have been trying to get a current acct for years now, no luck at all, other banks have said no too, pretty sure all banks will have the same sort of criteria etc. looks like your gona have to wait a few more years i am afraid

Hey itis quite bad, a good credit rating is something that people usually take for granted i know i did, i defaukted 3 times when i was a student, they will stay there for six years and then be removed, i was still able to get a phone contract but not a cheque account, the bank gave me visa electron not switch or normal visa, if you do manage to get a loan or a credit card it will mean that you will have to pay very high interest as the banks wil see you as a big risk due to your poor credit rating. My last default gets taken away in may 07, its not all bad but can cause a few problems when trying to borrow money from companies. Also with jobs a lot of companies will do credit checks and they may not take you on down to this. The best thing you can do is to satisfy all your debts, pay them off, and then start to make payments on time to all companies, set up direct debits but only if you know the money is defoi there. good luck son