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Deedy

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About Deedy

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  1. Hahaha! I know but I couldn't contain myself and am more than happy to ruin their day as they have ruined countless other poor soul's days by the very nature of their job! It feels good to have the upper hand for once!
  2. I'm fully prepared for anything they can throw at me Fletch and they have also been pre-warned that I am in possession of a true copy of the original agreement which will be compared to any documentation they send me and if any changes are identified, I will have no hesitation in reporting them to the OFT! I've got absolutely nothing to lose and would dearly love to be a fly on the wall when they receive my letter!
  3. Hi Fletch! Yes it does have my signature on it! Its such a good feeling to be in a position to stick it to these bottom feeders!
  4. Hi Brigadier, Concocting is probably the correct term! The beauty is, I have a true copy of the original agreement that was sent to me by another DCA, so if 1st credit try a recon on me, it will be identified and I'll report them. Haven't checked my CRA files but have had no problems getting credit - maybe I should check just to make sure they haven't registered anything recently. The last letter I received from them was rather long winded and actually apologetic but I wouldn't trust them an inch!
  5. Yes Brigadier and they are currently "liaising" with the original creditor.
  6. Morning Brigadier! If the original agreement pre-dates the changes made to the CCA, how can it be compliant? I've already received one from a previous DCA that did not contain any of the prescribed terms which is why they did not pursue the matter or are you suggesting 1st Credit may produce something that is not strictly "legal"?
  7. Hi Ford and thanks for your reply and informative link! The original credit agreement is dated 1998 and does not contain the "prescribed" terms required to enforce it and on highlighting this fact to two previous DCA's, this resulted in them selling the alleged debt on and taking no further action which I assume means they could not enforce it. I'm just waiting for 1st Credit to produce a copy of the agreement.
  8. Hi there, I have recently received a letter from 1st Credit in connection with an alleged debt of £284 last payment made in 2009 via a Debt Management Company - they have produced a statement of account but has no reference to the DMC or original creditor. The debt has been chased by 3 other DCA's from 2010 to 2012 and one produced a 16 year old credit agreement which did not contain the necessary prescribed terms for them to enforce and after I advised them of this in writing, they haven't bothered since, until now 1st Credit have picked up the baton again! In their letter they h
  9. Hi All, If the cca was signed prior to 2007, there is a provision for making an agreement unenforceable if it does not contain certain pieces of information. If one of the following "prescribed terms" is missing, the agreement is unenforceable. A. Amount of credit - A term stating the amount of credit B. Repayments - A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following:- (a) number of repayments (b) amount of repayments © frequency and timing of
  10. Hi Fred, Hi Deb, Thanks for both your replies. Apologies, I should have made things a little clearer. The debt paid is only £278 and went under management with a whole bunch of other loans etc. in 2000 so its not an earth shattering amount, but more the principle of the matter. CL Finance have harrassed hubby for months over it and we even had someone turn up on the doorstep last year making demands and threats. I guess this is more about getting back at these people for the way they operate than the actual money because they frighten, bully and harrass people, sometimes for debts the
  11. Hi there! I wonder if anyone can please give me some advice about hubby's Credit Agreement from 1993. In short he took out an agreement with Frasercard in 1993 then in 2000 ran into financial difficulty and it went under Chiltern Debt Management until November last year when we decided paying £450 per month for 9 years was quite enough, so we stopped payment to Chiltern. He was then recently contacted by CL Finance who threatened Court Action as they had bought the debt from GE Capital (as was) and registered the debt with the court. In the meantime hubby sent them a Subject acc
  12. Hi there! I wonder if anyone can please give me some advice about hubby's Credit Agreement from 1993. In short he took out an agreement with Frasercard in 1993 then in 2000 ran into financial difficulty and it went under Chiltern Debt Management until November last year when we decided paying £450 per month for 9 years was quite enough, so we stopped payment to Chiltern. He was then recently contacted by CL Finance who threatened Court Action as they had bought the debt from GE Capital (as was) and registered the debt with the court. In the meantime hubby sent them a subject ac
  13. Oh, Powelll, thank you so much for your link. Having just quickly scanned through it, it would appear that the DMP are in breach of many a guideline! I am just printing a copy to take along to our chappie next week, so thanks again for highlighting that information - it was just what I needed to see - you are an absolute star! Moggieb, it is really frightening isn't it, but I would be inclined to follow some of the other wonderful advice posted here and maybe get your son to look into one of the free DMP's such as Payplan or CCCS if it is proving too difficult to manage on your own, and
  14. Thanks Suzieblooz! I will keep the site informed! Hopefully it will be a good outcome and maybe even an example to the many thousands of poor souls in the same predicament. I'm hoping that they won't get away with it, because my gut tells me it can't be legal somewhere along the line, and if there is a loop-hole, I'm determined to find it! Thanks for your reply - glad to hear you see light at the end of your tunnel and things are easier for you. I am possibly more fortunate than most as I am not struggling with the repayments, its just the number of repayments I'm finding hard to
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