Hi, First Credit say they forgot to request my CCA over a year ago (they lost a court case because of this), and they have no issue with contacting me as it is not breaking the law. They are contacting the original creditor. They will not accept my DPA request to cease and desist as it falls under the Schedule 2 section 2(a) of the act. What the heck does this mean?

Hey all, A while back we had a statutory demand from Farce Credit regarding a debt we knew nothing of. We requested the usual CCA etc and they produced nothing (I think that was April last year). We put a defence in at court, won and got costs. However, we keep getting letters from them and companies owned by the same group, asking for the money, giving discount options. After we won the judgement, I emailled them informing them that the time to produce the CCA stuff had lapsed a long time ago and they had no legal basis to contact us. I also included a list of charges if they did. Can i make these charges stick? And how can I stop them contacting us anymore? Cheers

Hi Clemma! Thanks for that. Will send it off!

Hi All, Just before Christmas, I recieved a letter from Red asking me to pay £171.84 for an alledged debt to Vodafone. There was also a letter from Vodafone in the envelope saying they had sold the debt to Red. I have been a Vodafone customer, but that was before three, I am currently with Tmobile and have been for two years. So this debt would have to be three years old. I have now recieved a letter from Hamptons, another of the Leeds Losers, who say they are writing to claim back the money for Lowell. Apparently i am being assesed for litigation purposes after an agent was not able to make contact. It then waffles on about how if I don't get in touch in seven days, court action may be taken and then liststhe consequences - death, my head exploding and hoards of killer bees. For those of you who remember, I won a recent case against a DCA and got substantial costs. However, i don't think the CCA applies here so I am a bit stuck. Any thoughts on what I should do?

Well, they paid today, surprise surprise, sick of the correspondance from people like Scott Hall who are blatently owned by First. So, I'm going after them now... they just don't seem to learn regarding breaking the law and harrassing my partner and myself.

Hi DCA King, that sounds great! What should I do about todays threats - I have listed charges if they continue to harres me - how should I pursue it?

Hey guys, I didn't want to post anything here until this was close to being resolved, but the day after the above post, we went to court and won the set aside and the judge suggested we should claim costs. We hadn't followed the standard procedure to claim , so First Credit were given the option to argue the amount the judge awarded (not if they should pay), but if they wanted to they needed to attend a hearing in leeds with the Judge and ourselves. That day has now come and gone and First Credit havn't paid as the judge has ordered them to. We are due costs of just over £200 and I intend to issue a CCJ later today. On top of that, we recieved a very threatening letter from what looks like another subsidiary of First Credit, Scott Hall Collections, saying that unless my partner pays the alledged debt in seven days they will send round baliffs. In my last letter to First, I warned them that any action by subsidiaries would be classed as vexaious action by them, and suggested that any correspondance other than to provide a valid CCa ( the stat period lapsed last april) was illegal. I also outlined a series of costs for any unsolicited correspondance or threats that were sent by First / cronies and I now want to charge them based on the costs I have outlined. Can I claim this money through moneyclaim online. Anyway, I am just off to request a CCJ, could and admin move this to DCA Legal Success ? Thanks EVERYONE here who helped, we couldnt have done it without you, staff, moderators, viewers etc! I'm not stopping here - I intend to squeeze First Credit until they back off with this illegal harrassement.

Hey guys, this arrived a bit late as the hearing is tomorrow. I would have faxed the form today, but the site has been down for me. Will taking the form be of any use or is that it?

Also, can I speak on my partners behalf?

How do we go about setting out the Litigant in person costs? Can we claim for Holiday time taken to submit the set Aside, what about research? Also, how do we claim for court time on the day of the hearing? What evidence / proof should we take beyond the defence we submitted. Is only my partner allowed to attend or can I? Thanks

LuLa have they done that before? Thats awful!!

See below for latest update. Hey Guys and Girls, I'm a bit confused and could do with some guidance. First Credit under the guise of their wholly owned subsiduary Connaught collections sent my partner a statutory demand, petition for bankruptcy. The court date was set for the end of the month, and we filled in a set aside and sent Connaught a letter. The letter explained how they had broken the law, harrased my partner and not provided a CCA. Connaught replied to our letter saying they were very sorry and would withdraw their petition. However, the next day we recieved a letter from the court detailign the pending hearing. Yesterday we got a letter from Connaught saying they had been informed about the set aside and were writing to let us know that they would not be attending court. Now my partner had already paid 1000+ to these idiots before I stepped in. Should / can we attend court and get costs back? Can we get the 1000 back? Is this a victory and the end of it or will there be more and can we get our money back? Thanks so much to all of you who have commented throughout this journey, we couldn't have done it without you and the Consumer Action Group...

My partner paid these people for a while without knowing what it was, when I found out got her stop paying CCA'd and SAR'd them, end of March. They signed for the CCA and SAR, cashed the cheques, said it would be six weeks. They never came back with anything. I've informed them that they are chasing a debt in dipute, blah blag. The Sd wasn;t even filled out correctly. As such the Debt has been in Dispute since the end of April this year. They don't even have an account number, default date or anything. They just say our client claims you owe thee 1130, with nothing to back it up.

Hey Guys, I am just filling in the forms to get a Statutory Demand set aside for a disputed debt with First Credit. I have filled in form 6.4 and left the time and date of the hearing blank. I have also filled in an Affidavit, but have no signiture. Apparently it has to be signed by the court. So, do I send it all off to the court, or do it take it down personally, do I have to make an appointment? Cheers everyone, I just don't want First Credit to win!!!

Something interesting on Form 6.1 of the demand, page 2 there are the particulars of the debt. A - The Debt was incurred by monies under a financial agreement. The debtor is in breech of the repayment terms and has failed to adhere to the tersm and conditions of the repayment arrangements. The debt has been assigned as shown on Part C (p3) herof. B The debt is in respect of outstanding monies owed to the creditor by the debtor for non-payments of a Lloyds Tsb agreement. The benefit of the debt has been assigned under and agreement to f1ST Credit (finance) Limited 03/07/2006 C The amountdue is 1,360. Section A according the form much include WHEN the debt occured - it doesn't!!! Does that mean anything. Also how do you fill in the PDF forms for Set Aside, I don't seem able to edit them.