No I went into their branch I am more concerned at sorting my set aside & had some good advice from palamino, I am more worried about the reason/s I may have to give to have it set aside I am not even sure what set aside means

Hi ccm Welcome to the sleepless nights club, there seems plenty of us out there 1st Credit seem to be sending a lot of SD's to different members at the minute I was looking at my original cca forms last night & I cannot see 1 where I have signed for it

Anyone any idea if I am right in sending my CCA request to 1st Credit as my original agreement only goes back to early 2006 I've read a lot of threads where these claims are over 6 years old

Thanks for your vote of confidence Palamino lol I called my DMC today about the SD from 1st Capital but my case officer kept putting me on hold to check what I needed to do when I had asked her the same questions about what I needed to do now (so shows you how invaluable ALL you guy's advice has been) so a big thanks I don't know about sounding more positive as I am still very confused & very worried

Thanks Palamino I have downloaded the forms, when shall I be taking them to court & would I need to contact them first or can I just go in as my nearest court is about 20 miles away

Why is it a tight schedule for them to reply to me With regard the county court see #9 & #17 from babybear, that is where that comes from Thanks for your help

Hi Palamino Thanks for coming back to me, I know you said you would I am trying to confirm what I need to do from previous replies (mainly by babybear) I will send for a CCA today to 1st Credit & when I can confirm that they have received my request they have 12 + 2 days to reply Should I write to Citi for my S.A.R & is there any time limit & cost for them to reply to me If I contact my local county court what should I be saying to them Any advice would be greatly appreciated

Thanks babybear Should I contact 1st Credit to acknowledge receipt of SD or not & will that buy me anymore time if I don't

In The Last Few Days

Do I need to do this now or should I waiy for 1st Credit to reply to my CCA

Hi babybear Thanks, how do you know the assignment is equitable (please forgive if I am sounding thick) Which parts of post #9 do I need Should I contact my local county court straight away?ed since citi assigned this to 1st credit, does this make any difference for the SAR or am I likely to **** citi off? I am not sure if any additional charges have been add

Thanks creditcard I have read quite a few of the other threads & some cheer me & some depress me I shall send my CCA tomorrow, I just wonder if I should apply for the set aside now (which may mean phoning 1st Credit) or waiting for the CCA to arrive

Hi Guys Thanks for all your advice I shall send the CCA away tomorrow BabyBear you asked about the SD letter from 1st Credit, here are some things which are on it You asked when I received it, it was written on & received last week , but cannot remember if 1st or 2nd class & they had their name & address stamp on the back with please return if undelivered They do mention Citi on it, they have asked me to acknowledge I have received the SD (should I do this & how?) There will probably be charges on but I am not sure The SD letter has a name on it & sais he is authorised to make the demand on the creditors behalf (who is the creditor now?) The letter states I have 18 days to apply to have this demand set aside from its service to me (which date would this be if I acknowledge it) Who do i need to contact to have the demand set aside (1st Credit or the court) they say in their letter that to find out which court I need to apply to OR if I BELIEVE I have grounds to set aside the demand & would like more information I should CALL THEM tHEY HAVE SENT ME FORM 6.1 sTATUTARY dEMAND UNDER SECTION 68 (1) (a)of the Insolvency act 1986. Debt for Liquidated SumPayable Immediately (rule 6.1) Their letter does seem to be correct (but what do I know), sorry to waffle on guys but I am really worried about this

Hi creditcard Thanks for your help, it was a loan with them I got a letter from them a few months ago to say they had ASSIGNED this to 1st Credit (what does this mean??) How long have they got to respond & what do I do if they supply me with the original signed agreement?

Hi Grumpy Thanks for getting back to me It was delivered by post (didn't check if 1st or 2nd class) with a please send back to them if undelivered stamp on the back Original is with Ci Fi So should I send the CCA first before even thinking about the set aside & what happens if they do sent it to me in the time scale & what happens if they don't, its very confusing Also when I send the CCA letter should I say I don't recognise the debt with them or with C F As far as I am aware they are accepting payments from my DMC Thanks

Hi Guys I am new to this forum only yesterday, but amazed at the advice & help given to people who seem to be in the same situation as me (some better,some worse) I had a loan from a couple of years ago that I was paying monthly until my job situation changed almost a year ago & my earnings are a fair bit less, so was unable to make payments. The creditor eventually 'DEFAULTED' me then received a letter from them a few months ago saying they had ASSIGNED my account across to 1st Credit & any correspondence & payments should be made to 1st Credit. Afew days after this I received a letter from 1st Credit wanting FULL PAYMENT within a couple of weeks. I phoned them up & gave them details of what my mortgage was & earnings etc & informed them that I couldn't make the payment (£5k). I had contacted a debt solution company & had sent them an income & expenditure report & had agreed to make a monthly payment that I could afford .I have a few creditors who I am doing this with who have all received my I & E report (including 1st Credit) I have spoken to them on the phone a couple of times & the call normally starts off with them wanting FULL PAYMENT but when I plead with them that I cannot do this they then say they can accept a LESSER payment which is still way too much & I inform them that I am sure that I cannot do this but they give me 7 days to try to raise the money I have just returned from a visit to my parents & been working away to find they have sent me a STATUTARY DEMAND letter looking at bankrupcy proceedings etc My wife doesn't know about this debt & we have a small child I don't dispute I owe the money to my ORIGINAL creditor, but would do I do from here HELP