Hello there hope it's ok for a few more questions? ta. i have copied default letter ( for the DCA) and, a letter to be sent to the DCA's solicitor stating that DCA failed to provide CA on the prescribed time. The letter to the DCA, do i have to put a title " DEFAULT NOTICE"? And a "COMPLAINT" heading? do i have to include in the letter as well that , i will be giving them 14 days to resolve this matter? Also, i plan to send DCA and their solicitor each separate letters(although they are with the same address) only so can they cannot deny it. Do i have to send them both special delivery so it could signed for by them? or just a recorded mail which is not guaranteed to be signed for( as what happened with my other letter not been signed as they get bulk mail, therefore only signing for 1). it is just too much to spend on for these bunch and, they only use second class sending for us. Does it really matter now that it gets signed by them? still if i could choose it will be on recorded mail for both the letters. Please- could someone please who's available for any advice please. i need to finalize the letter tonight. many thanks all of u!

Hello Just a thought it was obvious (as mentioned from my other thread) 1st crude DCA has no real and true NOA document from citi; much more no real and true Deed of Assignment from citi either. it was a photoshop letterhead. the envelope it came with , came from 1st crude's address! surely if citi will write to it's customer, it will be their own paper and with their distinctive letterhead and logo, much more using their own envelope. DCA's buy these debts in bulk at a great discount from citi, so they can't really be bothered as it will cost them time and money. so it's up to the DCA's to do all the work and use their wand! So the bottom line is if 1st crude do not have this, they cannot and should not be collecting the debt! As per their letter, it said according to Article xxx( i will post the article later) that debtors will only received NOA in writing and not the Deed of Assignment. so in other words, if they indeed have the Deed(or not at all!) they won't let us see a copy of it. so are they hiding something we ought not to know then? i wonder? Anyone please share your views on it.

Hi Rory32, 1st crude says, " Deed of Assignment- we would refer you to section 136 of the Law of Property act 1925 which provides that the debtor is notified of the assignment in writing and not a copy of the Deed itself". Now, i just happened to scrutinise both letters from citifinancial NOA and 1st crude's letter introducing themselves and saying that citifinancial has assigned the debt to them. I noticed they are exactly of the same kind of paper used, the positioning of my address(after my name, then there's a gap one line down)then typed the remaining portions of my address. also the positioning of the barcode of their reference number. The NOA alledgedly from citifinancial looks like it has been a photoprint. Citifinancial logo is in blue ink and with Capital letter ® at the top of after the letter "l". (i think it's probably their trademark). Now this NOA alledgedly from citifinancial's logo is in black ink and with no ® at the top. Cti's normal logo's used in correspondence only uses "citi" (in blue ink/colour) they don't used letterheads as "citifinancial". Me thinks that citi did not gave them Deed of Assignment/NOA in the first place. 1st crude made it to appear they did so they can start collection asap. They knew the DOA cannot be requested(?) so they can write whatever they like! it would be interesting to know if indeed the DOA and the Execution of Assignment has the same date shown on the notice ( as to what i understand from your thread above?) if you can clarify me with this dates please. It could that 1st crude doesn't have a valid NOA after all! sorry about my conspiracy theory-but it makes one's brain work! and not idle. Anyone has a thought of these? thanks

Hi Maroondevo52 thanks for the reply. am still trying to locate the posts/thread you mentioned? i couldn't seem to find it. would be great info.

Hiya all, Just an interesting question, when debt is passed to courts, is it required to present your bank statements and etc.? do you get a notification from them? i've heard it can happen you get a ccj without knowing it? also, do i need to send letter to LCS together with 1st Crude in one envelope. they seem to be on the same office, another desk. would i send it special delivery? or just recorded? any piece of info would be greatly appreciated. with thanks

Hi 42man. yes i think this is the suitable letter to send to 1st crude. many thanks. oh yes, by the way, when i phoned cccs they told me to contact the ombudsman for advice. so i did, but calling them is already lodging a complaint. they said they'll send off a letter to 1st crude. so do you think this default letter is still suited to send now. 1st crude will have receive that letter from the ombudsman before mine. any piece of thought would be greatly appreciated.

Hi, it's me again. hope u don't mind. just womderigm if you have antemplate of sending a default letter to 1st crud? any piece would be useful. thanks.

Hiya! thanks for replying. do i need to send a letter as well to LCS? after them receiving my letter, would they still take me to court , anyway? thanks.

Hello there! Many, many thanks for your assistance. A few questions if I may please, do i also need to send a letter to 1st credit? was thinking of sending a reminder letter to them and, enclose a copy of this letter to LCS. Do i need to send them via special delivery or just on recorded delivery? can i send them both in one envelope or have it sent in a separate envelope? if after LCS received this letter, would they still take me to court? after not being able to pay up? i really don't want to offer them repayments, even small, as I am not sure If i did ever have the agreement or signed it way back 2002. i'd say thank you for taking time to read and replying to my posts. ah, and by the way , how can i move my posts/threads to Debt collection forums, am still at lost at using these forums-sorry. many thanks Have a nice day.

Hello there! Would anyone please help me............ Re: LCS Solicitors letter from 1st credit I am a new member of this forum. Would appreciate someone with a helping hand. I have requested 1st Credit CA (template fron NDL website). It has been 65 days since that they failed to comply with my request. And all of a sudden i received a letter from LCS wanting me to pay in full in 14 days time. They totally ignored my request for the CA. I know they breached the CCAct 1974. I would appreciate very much if you can give me an advice on what to do next. Thank you very much indeed. kind regards