Hello Rory,

No, resident in Scotland, does that change things?.

thanks

Hello Bonny08

Welcome to CAG, where you'll find lots of great advice and support.

I'd suggest that you start your own thread rather than getting mixed up in someone elses, as it'll get very confusing if a number of replies are posted. It will also help if you advise what type of debt it was, eg Credit Cardetc, and for how much, and whether there are a lot of unlawful charges in the balance.the debtfs

Don't panic about 1stCredit as they will bully anyone on the phone if they can. Don't phone them and never speak to them on the phone , advise them you will only deal with this in writing. Never use your signature on any paperwork they send you, leave blank or if you have to use capitals.

Suggest you read some of the other threads on the site about 1stCredit where you'll find some great information from experienced users on all manner of things from dealing with telephone harassment, to being taken to court.

With regard to the copy of the CCA they sent you, I'd suggest you scan it and upload it onto your thread, then ask for an experienced Cag user to check it for you. Before scanning you need to remove all personal and identifying data. It may not meet all the prescribed terms, and is therefore unenforceable in a court. Then you can get further advice on what to do next.

Sorry I can't help further, I'm new to CAG myself,

I've assumed that 1stCredit haven't sent you a Statuatory Demand but are only threatening bankruptcy on the phone

Hello anyone,

Phoned the court, no CCJ was awarded. The case was dismissed in Oct 2005 and no costs awarded.

I've now repaid the full amount of the debt owing, and don't plan on paying DC admin fees/charges without a fight, but would I have to pay the DC costs of bringing the case to court in 2005?

Just got call tonight, another debt sold on, this time to Cabot Can see another thread looming. But on the bright side found an old phone which records 2 way conversations, so perhaps I'll get some nice friendly helpful converstions recorded.

Hello,

can anyone advise on a Freemans catalogue debt, now with EOS Solutions . Part of DMP with CCCS from 2004, and paid each month. In 2005 we had to miss single monthly payment in agreement with CCCS due to financial problem.

Whoever was DC for account send us Court Papers which CCCs advised us to return to court with Time to pay request which we did.

Before court date I phoned DC for an explanation as to their heavy handed action and discovered that some of my payments had accidentally went astray in their system. When CCCS confirmed all our other payments had been made, DC said they would stop court proceedings but I would have to pay. £40 for their court costs, even tho it was their error..

We never received any paperwork from the court or otherwise to say any CCJ had been granted on their behalf, so assumed the action was stopped..

Now looking at this debt on CCCS paperwork , it says I started repayment plan with about £200 owing have paid £200 and still owe £115 so somthing isn't right.

Can a CCJ be granted without me knowing If I've lived at same address for many years.

Would I be better doing a CCA or an S. A. R here, or do I just have to accept the costs.?

Thanks

Hello Bank Robber, Keep checking the Royal Mail site, for your electronic signature, it took 18 days before it was posted on their site for one I sent recently.

Had phoned R.M to complain about lack of electronic signature and customer service explained how process can take this long for mail delivered to large firms who get a lot of Special delivery /recorded mail.

He also gave me a full refund!!

Agree with Milktrayman, these companies make many claims but can't do anything that you yourself, or a Free Debt Repayment company can. For example

Consumer Credit Counselling Services or Payplan.

Also creditors are sometimes unhappy that money which could be going to reducing your debt with them, is being wasted in unnecessary fees to fee charging companies.

Good Luck

Sent CCA request to 1stCredit 12/5, have electronic proof of receipt. Received letter from1stCredit 17/5 with big letters YOU HAVE RAISED A DISPUTE/QUERY very carefully saying they have received my letter of dispute, but no mention or confrmation that I've requested a CCA.

Goes on to say that unless querying full balance to contact them to discuss payment of the debt amount I accept is due and payable.

Are they playing a word game here, do I have to write again reminding them I've requested a CCA, or do I just wait. Concerned that this leaves it open for them to start other proceedings.

Also received mortgage T&C which states 'No other standard security or legal charge in favour of another lender is permitted. You must not allow another lender to secure another loan on your home without our consent.'

So if 1stCredit are successful in gaining a C.O on house, I'm sure I'll lose mortgage facility.

[

 
quote=Deshaine;.

If a charge IS granted, then it will not effect your mortgage in any way, shape or form. [/quote]

thanks for all comments, have learned so much in just a few days. Was concerned because remember reading in T &C of mortgage offer something about bank not allowing 2nd interest or securities on property. Worried that a successful C.O on property could mean I've broken terms and conditions of mortgage and bank could withdraw mortgage facility. Can't find paperwork to get exact words so haveasked bank to send out copy of T&C's.

Also as repayments will take many years, creditor could technically ask court to force house sale?.

Last year received letter from HFC offering an interest free loan for 60%repayment of this debt, said it got me off their bad debt books and made them look better. Couldn't pay as they needed extra £2 per month and CCCS can't increase payments to single creditor, so now they've assigned to 1stCredit without telling me..

Thanks again to all the wonderful people on this site who are so supportive and give their time to help others. It's made a huge difference to me.

Thanks and will follow up T. S. complaint links after I've done my CCCA letter request.

1st Credit have received at least 1 payment direct from CCCS for April, altho somehow the o/s balance on their latest letter has been reduced by 3 of monthly payments, perhaps 2 payments made to HFC transferred to them?.

Letter from CCCS says they will continue making payments, but 1stCredit have told them they are unable to accept reduced payment offered because larger payment required. Also told DCA don't have to accept reduced payments at any time. CCCS always send DCA financial breakdowns and lists of other debtors and payment amounts.

CCCS advise I don't need to take any action at this time, as 1stCredit may pass debt onto another DCA., and to contact them again if CCJ proceedings start for further advice.

But after reading about 1stCredit on this forum, don't think I can take risk waitng for CCJ to go thru uncontested, if CO issued later against house may lose mortgage facility from RBS.

So sending CCA letter tomorrow, but do I have to also write to LCS solicors acting for 1stCredit advising them that I've sent CCA request to 1stCredit, as they may start court proceedings before 12 day time limit for CCA request is up?

hope this all makes sense!

thanks

Many thanks for advice greatly appreciated. Have found template for CCA and will post out as per instructions on Monday.

Have never reclaimed any charges on accounts tho remember there were multiple late, overlimit fees applied to them all for months before CCCS repayment plan started.

Know now from reading on forum , not to phone them but they keep sending letters asking me to contact them, each time on a slightly different number. On the occasions I had phoned them all they were interested in was my house and mortgage, in amongst threats of bailiffs, and belittling me for being in debt.

CCCS have confirmed they have refused repayment offer, tho payments have been made to them direct from CCCS.

1stCredit have our financial breakdown from CCCS so know our budget is bare minimum tight. Income comes from work ill health pension. And that repayment amount is decided and split fairly amongst all creditors by CCCS. Feel sure they after C.O and CCJ to enable C.O. as repayments will take a while and I'm not a spring chicken!.

Hello,

My very first post and hoping someone will advise. Due to severe ill health, lost extremely well paid job some years ago, Ended up with huge debts. Ignorance took me on usual route of refinancing, even adding to our morgage to no avail, debts just got worse.

But 4 years ago started a DMP with CCCS our remaining debt is divided between I'm embarassed to say 10 other creditors., all unsecured debts who've so far accepted our repayments which are always made on time.

Now letter from 1st Credit who say they have been assigned a credit card debt for £2100, which has suddenly become £2300 from HFC . Never been informed by HFC debt was being tranferred to 1st Credit but unsure if Default notice ever sent. 1st Credit said a DCA can add admin charges under T &C, I don'tr believe this tho..

Now got standard letter from thier solicitor LCS, saying County Court action will start in 14 days.

Understand that with evidence of DMP they may not be awarded a higher repayment sum, as nothing left after paying bills and debt repayment, that bit is not the problem.

But our mortgage provider does not allow any 2nd interest in property and I'm worried that we could lose our morgage facility if charge order is granted. and also what other implications a charge order has.

Always been willing to repay debts and accept shouldn't have got into debt in first place, but to avoid a CCJ and charge order would it be worth trying to ask for CCA, and other relevant documents.

Really unsure what to do for the best, all I want for them is to accept my CCCS offer of repayment. So upset that this pressure is all starting again despite my best efforts, and it is now affecting my health badly.