Individually they are nothing but together that's an army that could do serious damage to the tory MP's!

You must ask for the details of the alleged debt then DEMAND a true copy of the original agreement. I did this after the case they dropped the claim for expenses as soon as i asked for a true copy of the alleged agreement! You can get further info from oft but if they cannot produce then they have no right to any payment!

can anyone help

forget the date must have been put in by someone else easily see its not my writing though! Then again wonder if that nullifies the agreement?

I sent for a copy of agreement here is their reply got today Dear Mr Mcgill Re: copy agreement/contract Ref We attatch anedited copy of the signed agreement in respect of the above account and would ask for your comments a) if you confirm that this is your signature we will of course send you a complete copy of the relevant doument. We would also invite your proposals for settling this outstanding debt. b) if this is not your signature we would ask you to provide our office with a copy of your signature from an official document, (such as a driving license/passport), to substantiate your claim. Please be assured that the matter will be investigated immediately, this is not required but of course will assist us in resolving this matter c) where an address is detailed that you do not reside in we would ask you to comment on whether you ever resided at the address and, so, the period of your occupation. d) if we beleive that a fraud has taken place against you we will advise you. In these circumstances we would recommend that the matter is reported to the local police and 1st credit ltd will of course co-operate fully to ensure the matter is thoroughly investigated. thank you for your assistance in this matter yours sincerely 1st credit ---------------------------------- I HAVE BEEN SENT AN EDITED COPY OF AN AGREEMENT ALSO a pay by direct debit form dated 4/4/05 (not in my writing) with account number/sort code and bank building society acc no. blacked out why an edited version even after i sent £10 fee and why blacked out? Why is date squeezed in not in my handwriting lastly why all these a,b,c and d questions? URGENT HELP REQUIRED NOW! PLEASE !

this is a letter dated 4th aug 09 1st cred ref thank you for your letter dated 10/07/09 pursuant to your request i can confirm we have contacted lloyds tsb for a copy of your agreement. on receipt of said document a copy shall be forwarded to you. i note you have recently had a conversation with our offices with regards to ppi. i would advise that 1st credit purchases the debt only and none of the accompanying polocies. should you require this information we would refer you to the relevant insurance company. we shall contact you further once additional information is available yours sincerely .......... as said earlier i sent a tenner and 1st credit responded with this letter.... now i also said i contacted tsb who claimed 1st credit had not contacted them as this letter sugested.. however when i threatened to stop paying into the account 1st cred contacted tsb for a copy... why did they lie? where did postal order go? how do i get tsb and 1st cred to clarify who owns the alleged debt? Do i stop paying as threatened till i see agreement? Does this letter suggest 1st cred have bought the debt? Can debt be wiped off as adverts are saying? what do i do? please help!

part two would also like to ask advice about the jd sports card that was with rbs who made an offer of about £7 for only two out of the twelve or so ranged 12 to £15 late charges do i pursue all the charges they took? They quoted oft mentioned about £12 which is still well over the top what do i do

Just off the phone to lloyds tsb in london who said that the loan has been passed over to 1st credit as they have a too many accounts to deal with (can they do this?). Also that after my threat to stop paying 1st credit have requested my agreement YESTERDAY yet i sent £10 postal order last month and was told in a letter from 1st credit dated 16/07/09 that it was passed on to the appropriate department which i have now discovered this was not the case and that it was confirmed by lloyds tsb that yesterday was the only time they have been contacted on this matter! Steven do i continue to pay or stop till they have produced the documents in another 3 weeks or so and secondly do i ask for my postal order back which seems to have disappeared?

well should i send a request to 1st credit for the agreement with pound postal order Steven?

right i have just phoned 1st credit and told them i am stopping any standing order going into my tsb account till i receive a copy of my agreement for which i have paid £10 to tsb on the 10/07/09! It is now 26/08/09 they have had sufficient time i think? also received stalling letters from both rbs and tsb regarding ppi on cards as of today i am going to put max effort to get my money back from late fees FIRST NATIONAL/SANTANDER aswell as STYLE FINANCE/rbs and LLOYDS TSB/1ST CREDIT(LOAN?)and CREDIT CARD/TSB and all ppi/charges including late fees Steven no doubt i will need your help and advice am i taking the right step to stop payments?

agreement from 1st credit

do i stop payment then request

Steven tsb have said the loan finished June 2008 and that they OUT-SOURCED the loan to give me better interest rate! Another word for selling debt on? Now i am just off the phone and been put through to their debt recovery i was told by them that the debt had been passed on to 1st credit so i am not the wiser because the debt recovery is a part of tsb but 1st credit are not! i told her if i do not see the requested document agreement then i shall stop paying till i do! Help what should and can i do steven?

just got a letter from 1st cred saying i could settle early they will take a chunk off the price still i have not received copy of the agreement from tsb... what can be going on? What will happen if i stop payment till they produce the agreement HELP Steve

i still have not received copy of my bank loan agreement that 1st credit said they had contacted tsb... i paid £10 i am beginning to think 1st cred have bought debt why else would they be a middleman when my payments were organised by my branch and going into a tsb account i just dont understand why they need 1st credit

off the phone 1st credit say they have not bought the debt but acting on behalf of lloyds tsb.... so though i have been paying £80 a month into a lloyds tsb account... 1st credit have been lifting the £80 to pay lloyds tsb bloody crazy even though this account was set up in my branch? This is to do with my loan

no Martin i live in glasgow... that many things to fight for with late fees STYLE FINANCE/FIRST NAT (SANTANDER)/ LLYODS TSB CREDIT CARDS PPI AND LATE FEES/ LLOYDS TSB LOAN AND PPI heads spinning but have to pursue just had a letter regarding a copy of my aggreement loan and ppi from 1st credit both myself and steven came to the conclusion that 1st credit were working on behalf of 1st credit but am not so sure after todays letter says "thank you for your letter of the 10th july 2009 Pursuant to your request i can confirm we have contacted lloyds tsb for a copy of your agreement. On receipt of said document a copy shall be forwarded to you. i note you have recently had a conversation with our offices with regards to the PPI. I WOULD ADVISE THAT 1ST CREDIT PURCHASES THE DEBT ONLY AND NONE OF THE ACCOMPANYING POLICIES. SHOULD YOU REQUIRE THIS INFORMATION WE WOULD refer you to the relevant insurance company." i think they have bought the debt i shall call to confirm tomorrow then ask for help with great appreciation and will donate when this is over as this is a magic site for the people

if i were top appear down south won't i be able to claim expenses if i won?

your lba kit is for england and wales only where as i am in scotland! Can this still work Steven or would it still be possible as both style finance and santander are both in england could the answer be to use an english court? thanks for your help

sent to first nat for default charges £280 owed various charges £10-£12-£15 been told by santander cards that "the OFT RULING did not include loan products these fees are valid and will not be moved" Style finance default charges came to £180 they said "the oft restricted its investigation to credit cards and has not consulted style finance services in relation to other products including store cards. Having said that the financial ombudsman has agreed to investigate charges to store cards dating back to April 2007" They checked my account in line with oft guidelines identifying only two charges of £15 and offered me £6.48 of the difference of £12 and £15 at 8 percent interest acceptance of the offer will be final if not agreed you have the right to go to the ombudsman but i hope that is not necessary 8 weeks to answer ... what now Steven? Help

steven i have been told by law clinic it would be hard to claim the money back as i became a non debtor as soon as i paid but they said they will go for expenses against aktiv kapital as they bought the contract are now liable for all liabilities can you check this as the judge accepted my explanation for paying the principal sum so i wonder if an unenforcable loan can be taken to court for any monies paid like the £466 all in i paid... remember i did not know the debt was sold on...! The student said her teacher thinks it best to allow the case to be dismissed and go for charges.... what you think Steven? The copy of the aggreement was of my signature copied on a4 paper ...if it was ok i wonder if they dropped the case because they went over the 12 days? ... law clinic is students who do this as non profit outfit

Thanks Steven as regards to the question you dont understand.... i bought the suite through the shops HP for better word they organised the finance thru First National who have charged me over £250 late payments this is not a bank or ppi or credit card does this mean i cannot claim? can i just add that the copy of the aggreement sent through by debt managers/aktiv kapital is unreadable! Also i have just contacted 1st credit who are collecting for lloyds tsb personal loan from me, i sent for a copy of the aggreement which they have requested from lloyds tsb... is it possible 1st credit have bought the debt and i can challenge them? The guy on the phone thanked me for paying but said they get my payments and send them on to lloyds tsb even though its a lloyds tsb account i pay the money into.

Steven DEBT MANAGERS/AKTIV KAPITAL are dismissing their claim for expenses after i asked for credit agreement which they copied one page and sent to me after the 12 days... at court i told the judge i paid the principal sum £131.02 not as an admission of the debt but to buy myself time to check the legality of late payment charges (£250 since learned)... normally if you pay the law sees this as an admission and then awards court costs so people should be careful as i explained to the judge i only found that out after i had seen the citizen advice however, the judge accepted my explanation as to why i paid the principal sum and put the case to Proof... the case will now be dismissed by the dodgy debt company! Thanks Steven now i need to know if i can claim the principal sum £131.02 and any other money i paid this lot as it appears was unenforcable but i was not told the debt was bought over but that it was passed on by the original lender me thinking this meant another department. Also where do i stand with late charges? Can i reclaim as the case with banks, ppi and credit cards.. Where do we stand when a shop uses its finance partners to sell goods regarding charges? i gather it would be the original lenders i claim from if i can? what about super cover whom i tried to contact before the end of the cover in march but phone just wrang and wrang and wrang... just found out the insurers been taken over yet shop customer service still gives the old number out? i'm in the process of trying to get ppi and credit charges back .. may need more help... thanks and very appreciated

thanks steve but i have to say what the banks put me through and the effects it had on my other debts i'd feel like it was compensation... i will follow your advice ofcourse regarding the £295 though they (the claims warehouse) said i'd get full refund if the debt could not be written off! i called the bank steve and asked for a copy of the agreements loan / cred card they are charging a £10 fee.... can i use the same procedure as with Aktiv Kapital by sending a pound postal order? back to my main one AKTIV K i sent the request yesterday and also received a letter from them by post yesterday saying they were still going for max expense claiming ive admitted owing them by paying principal some however as you know i persuaded the judge that it was not an admission and its going to proof 23 sept! when i receive the document i shall let you know... then please let me know what to do and what i am looking for.... incidentally their lawyer said they were responsible for payment fees as they had bought the contract... Can these people legally buy these contracts even if the contract was between me and first national i mean can your debt be sold to another without me having a say as i was still paying when this happened and i did not know the debt was sold to Aktiv till two weeks ago i had thought they were another department of FIRST NAT thanks for all your help sincerely appreciated

one different issue Steven ... there was an advert in the paper about getting loans/ credit card and other debts wiped off... i called and the chap at the other end said any type of loan taking before april 2007 can be wiped out and that it had something to do with the credit consumer act 1974 though am not sure what it is.... they are asking £295 but will refund if not successful they wont fight for any debt less than a grand... waiting on papers arriving monday to check it out