Yes but in the end they have a copy of my CAB - approved fanancial statement which shows all I can give is a quid per month to creditors. They just ignore this even though I keep writing to tell them. If they take you to court it will not make them get any more cash as I have not got it to give them. What can they do to me even if they produce a CCA as you call it?

Ist crud got back to me over request for the original agreement. They say that it is retained by their client and that they will request that the doc be sent to me ASAP. they also say that if I want the deed of assignment that they refer me to section 136 of the law of property act 1925 which provides the debter is notified of the assignment of the debt in writing and not a copy of the deed itself. They say they will charge a tenner for this info. They say that on reciept of the copy agreement they wold expect me to contact them and settle the debt. No mention of the token quid payment I sent in yet and no mention of my CAB statement either proving that I cannot afford any more. They do NOT listen. Suiggestions anyone????

Well if not a petition then a huge fuss should be made perhaps in the media with case studies of how these monsters can ruin the lives of people. They will only get away with their dirty tricks whilst people stand by and permit it to carry on without complaint or organsised protest.

Perhaps we should start some online petition against the abusive, unwarrented and frankly very unprofessional actions of this outfit. The public should be made aware of their nasty tricks which can really upset people who are in dire straights fanancially.

Latest is that they are sending us letters as the DEBT HELP TEAM (same address of course, derrr). They have totally ingored our request for the original loan doc too. I have asked for their complaints procedure and run up a list of all the requests they have failed to adress. This latest letter is much sweeter to us and mentions generous discounts for final settlements. They clearly do not to listen but I shall make them listen. It also mentions how "couteoues" and conciderate their callers are. UN - BLOODY - BELIEVABLE! Any more info will be put to good use herein guys please!

Cheers guys Excuse my thickness but what is "FOS"? The point about them not giving us an original loan agreement makes sense too. Anyone could send one a bill for a debt yet without proof of its origin it would seem baseless. Thick again sorry - but what does "CCA" actually stand for, is it Credit Company Agreement? Need spoon-feeding on this stuff so that we can give them the proper response. This ammo will be very interesting to pull out. I cannot understand why they are being so stupid about our fairly offered token offer when we have clearly given them the CAB proof re the Fanancial statement of what we can only afford. They are just ignoring this point and pestering us to ring to discuss it, which probably means we ring and their lovely agent verbally threatens us again. We have told them that we only want it in writing. They seem very unfocused on this lot to say the least.

Latest is the these sharks are still asking us to ring to discuss the matter even though we have stated that we only want written responses. They seen terrified of putting anything down in writing. We have offered to give the token payments as agreed with CAB yet they will not admit this and they still have not supplied us with a copy of the agreement we signed when we took out the loan. What pressue does this doc have on creditors and who says so???

I forgot to say that we also got the I st Cred LSC solicitors threat letter earlier on too. We are now pressing them to say in writting that they accept our offer of one quid as sorted out with CAB for all our creditors. We also asked them to send us a copy of the original agrement on the account as I would like to see what they have on file.

Thansk again ODC - you are a star. I have heard that if one has a large percentage of creditors who are happy to accept a final settlement figure then the others have to accept the decision of the majority also. Is that true?

Thanks a lot guys. CAB just told us to send in the standard letter explaining our difficult circumstances and the fanancial statement which has been accepted by all our other creditors. CAB also told us to send in the usual quid like we had done to the previous creditor before them. We told I st Credit that we only wanted to hear from them in writing but they rang us so we told them to do as we asked and the caller quickly hung up. If a a court will NOT order us to pay more than we can afford (as we have just proven to 1st cred) why then are they still hounding us? Are they suffering from a lack of communication or just totally thick? I had thought that any sensible court would think it odd for them to try and do us when after the monthly income is all added up we provably only end up with a few quid in the kitty. Another thing is that our other creditors have mentioned final settlements once or twice. At present we have no way of doing that but as a matter of interest what sort of percentage of any lump sum would all the creditors take? Are they any rules on this? CAB also told us that settlements can be had for a "fraction" of the total sum still owed. ??? Is it that greedy creditors can see that one's situation is not likely to improve fanancially so they want to grab whatever they can if a tasty little lump sum turns up or what??? Excuse my ignorance please but what is a CCA ?? Great forum - thanks again.

1 Credit are so abstract for I have several creditors who are happy to take the offered quid a month (as CAB have proved that this is all I can afford). 1st Credit however seem to enjoy hounding poor people or at least that is my experoence of this lot. Are there any rules/regulations about them having to accept the quid all like the other more sensible debt collectors as I have shown that is all that I have to offer? How do they expect one to pay what is not available to give? If they take me to some court I still wont have anything else to give them like I and CAB told them on my fanancial statement. What will they do to me? I just wish I could know the answers to these questions which are causing so much upset. I am trying to be helpful but they seem to want to stress me out to force me to pay up money that I have not got.

I went to CAB and they managed to get a 1st crudit assistant to talk. He changed his tune and now, low and behold, wants to see our fanancial statement. This is a turn up as last week they would not listen and refused to even talk about it. Why are crudit so nice to CAB yet treated us like dirt when we tried to simply explain how hard up we were and struggling to even give a quid a month to all the other creditors who have accepted such an offer?

So it seems that we are not the first people to have suffered the bullying methods of the SS-style credit squad. They must be exposed for this odious behaviour at every turn and I for one will seek to do just that. I can only thank the good people on this thread for their helpful comments.

I meant to say that one of their delightful callers threatened to make us bankrupt too if we failed to immediately give them the full amount due. None of the other creditors we have ever mentioned that one and happily took our quid per month offer without moaning about making us bankrupt. Ist Credit also said something about taking six times the amount due if it went to court. What is that all about? Cant wait to see what CAB say next week.

All I know is that when we first got into debt we went to the CAB. they helped prepare a fanancial statement to give to creditors which showed that a quid a month was all we could afford after expenses were taken out. Nothing has changed and we are still on low income. Now this I st Credit gang have taken over the account and are refusing to accept the pound a month offer. They say only the full amount will do which is not possible. If what you say is true - which I am sure it is - why are these bullies not trained properly to deal with us? Is this just a ruse to make us afraid and worried to death and what is the point when we cannot gave more than we have fairly offered. TALK ABOUT HARRASSMENT! What will happen when we explain all this to CAB next week? Thanks again we may now sleep tonight a little better after your kind advice. And we will NOT speak to these idiots on the phone again as you suggest. Others had told us to be polite to such bullies but how can anyone be nice to such types that threaten your home and life? Even after all this we are still concerned by their horrid threats that they will refuse to accept the pound/month offer - what next? They cannot get blood out of a stone so will they send the boys round to rough us up - nothing would surprise me over this mob and people should expose them whanever possible. Surely some law existsd to stop such harrassment?

ODC Thanks so much for your kind comments. We are sick with worry. How can Ist credit tell us that we are going to be taken to court and have our house invaded for our items etc when we are doing our best to pay all the creditors the quid as arranged previously with CAB? They said that our offer to them of a quid (as with all the other creditors who are happy with this) would be 'refused' point blank with no redress against their decision. Still unsure of where we stand as you can imagine. Will they take us to a court? We even offered to send Ist Credit our fanancial statement as with the other creditors like CAB originally told us to but Ist Credit virtually told us to stuff it and didn't want to know - just gave us a sea of hostile threats and treated us like crooks. What is wrong with these people are they mad? We are just an ordinary family with small children trying to survive. I can understand why some folk take their own lives with horrible firms like Ist Credit hounding them. I don't know how they can sleep at night. I would pay the debt tomorow if I could.

I have been paying a minimum agreement to several creditors for months. However, recently the aggressive 1 st Credit lot have apparently taken one account (off Benificial I think) and are threatening us with mucho legal action and all such lovely things. We explained that we had been to agree all this with CAB ages ago and that all our creditors were happy with a quid a month as we are skint. Not 1st Creidt though who are threatening us like a mad dictotorship. They say give us the full amout due now which is impossible, or we have had it. What can we do? the agreement was for the quid a month with the creditor so why has this changed? CAB were not very intertested on the phone and said to just call into their office and not to worry. We are terrified.