Thanks, It's all quite scary, thank god for this site. Have printed letter and am ready to send.

Will try to sort something out to record conversations. also I have just received a letter today, I have copied the text exactly below: re your agreement with Halifax Bank Account no/ (they have filled in the bank Roll Number) Balance outstanding £XXXXXX We write to introduce 1st Credit to you. Halifax bank has assigned to 1st Credit (Finance) ltd the full outstanding balance due under the agreement referred to above. As a result of this assignment , the full amount outstanding is due to 1st Credit Ltd immediately. As the outstanding balance is owed to 1st Credit you should not make any payments to Halifax bank as it will take significantly longer to process the payment onto your account. to discharge your outstanding balance, you now need to make payment direct to the appointed servicing agent 1st Credit at the above address. You should contact this office immediately so that we can agree payment terms with you. failure on your part to do this will result in more formal recover proceedings being taken against you. In accordance with the Data Protecction Act 1998 we will comply with any request for a copy of the Personal Information about you that is held on our computer system. Send your request, along with the administration fee of £10 and a sae to the above address. PLEASE DO NOT INGNORE THIS LETTER. We look forward to hearing from you. Should I still sent the letter requesting the Credit agreement?

lets hope they can't find any agreement. I will keep you posted. Thanks for your help

Thanks, I will post it today and keep my fingers crossed!

Hi, I hope some one can help us, my partner took out a loan with the Halifax about 10 years ago, I think the original loan was for £5000, after a year or so Halifax phoned my partner and offered to increase the loan to £10,000 as intrest rates had gone down and the monthly payments would be pretty much the same!! Of course my partner said ~Yes. He paid this loan monthly for about two years and then defaulted. He went to our local CAB and they sorted out his finances and he has been paying £40 per month since then. He received a few calls from 1st Credit and and told him that he has to pay the full amount and they wanted to take this payment over the phone. Of course he told them that he did not have the money and they asked if there was someone he could borrow off. (how absurd) he said that we have 7 days to pay in full (the amount they are looking for at the moment is £XXXXX) before he knew who they were they asked if he was working he stupidly told them that he was and that he is self employed, they asked what his earnings are and he told them that it was between £10,000 - £20,000. As far as he is aware he did not admit the debt. I have also spoken to them and they have told me that if he does not pay this amount they will sent baliffs round! they also said that they would not be prepaired to carry on with the current payment plan with out security, they then asked if we own the house, i told them that we do. At the moment we are not really sure what our options are as we have been paying an amount since the first default. Any help would be appreciated

Thanks so much

Thanks, you may think I'm really thick but I cant find any link to allow me to post new thread ???? again any help would be appreciated Thanks

Hi, I hope some one can help us, my partner took out a loan with the Halifax about 10 years ago, I think the original loan was for £5000, after a year or so Halifax phoned my partner and offered to increase the loan to £10,000 as intrest rates had gone down and the monthly payments would be pretty much the same!! Of course my partner said ~Yes. He paid this loan monthly for about two years and then defaulted. He went to our local CAB and they sorted out his finances and he has been paying £40 per month since then. He received a few calls from 1st Credit and and told him that he has to pay the full amount and they wanted to take this payment over the phone. Of course he told them that he did not have the money and they asked if there was someone he could borrow off. (how absurd) he said that we have 7 days to pay in full (the amount they are looking for at the moment is £11,287.11) before he knew who they were they asked if he was working he stupidly told them that he was and that he is self employed, they asked what his earnings are and he told them that it was between £10,000 - £20,000. As far as he is aware he did not admit the debt. I have also spoken to them and they have told me that if he does not pay this amount they will sent baliffs round! they also said that they would not be prepaired to carry on with the current payment plan with out security, they then asked if we own the house, i told them that we do. At the moment we are not really sure what our options are as we have been paying an amount since the first default. Any help would be appreciated.