Jump to content

ftw59

Registered Users

Change your profile picture
  • Posts

    23
  • Joined

  • Last visited

Posts posted by ftw59

  1. So.... nearly three years have passed, and this morning I've received a letter from 1st Credit.

     

    It basically says they are disappointed that despite their attempts, I have not communicated with them or paid the debt in full. It goes on to say that they have engaged the services of a debt collection agency and that my account has been transferred to that agency (no indication of which agency). Their instructions to that agency are to seek to obtain the outstanding debt on behalf od 1st Credit, and that this collection activity may include a visit to my home etc. etc.

     

    It finishes by stating that whilst my account is with the debt collection agency, that any payments (yeah, ike that's going to happen) and correspondence should be directed to them (a bit difficult seeing as they don't bother to state just who they're talking about).

     

    So my question is, do I just ignore this, or should I respond?

     

    I don't have access to a scanner at the moment, so I have summarised the letter instead above.

  2. They're splitting hairs really, it's sufficient to just say you want a copy of your credit agreement although in fact it is a request subject to s.78 of the CCA 1978 :rolleyes:

     

    Thanks for the advice.

     

    So, do I make a fresh request to RBS, or FCM, or whoever under S78, or leave it as it is, or what?

  3. Ok, I've now had a reply (and not what I was expecting either).

     

    My original two letters have been returned by RBS/Mint (I was expecting a reply from FCM).

     

    The CCA request has "Sec77" scrawled on it in pencil, and the postal order has been reurned as well.

     

    A covering letter (of sorts) has been sent by RBS; It states:

     

    Thank you for your letter in which you have made a request for documents under the CCA.

    I am unable to deal with your request due to (ticked as appropriate)

    Request received under S77 - the above account is nor a loan account and therefore we are under no obligation to provide you/your client with the requested details.

    I have therefore returned the request to you. Please provide me with correct information and/or payment and this will be dealt with accordingly.

     

    The letter is signed by a Mrs J Brodrick, Senior Recoveries Officer, Cards Customer Services.

     

    What next please?

  4. I've received a letter from FCM this morning (marked URGENT of course) stating that a debt recovery officer has recently called at my address as previously arranged but was unable to contact me.

     

    They have reinstructed him to call again as a matter of urgency and to repeat his visits at various times so that collection of the debt can be effected. They also state that they have given him authority to carry out tracing inquiries etc.

     

    They go on to say that if I am unable to pay the outstanding amount in full then they will accept an initial payment etc.

     

    Now.....

     

    This (as far as I'm aware) is the first contact I've had with FCM regarding this debt, (I have an ongoing history with them for another debt linked to here http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/184955-me-1st-credit.html ) and given that there is someone in at the house almost 24/7, it's almost certain that no-one has called chasing the debt.

     

    What's my first step with this please?

     

    Do I send them a CCA request, and does it need modifying to prevent them doorstepping me?

  5. As an afterthought, do I need to acknowledge this, or respond in any other way?

     

    TIA

     

    Ok. I've received a reply from MH stating:

     

    Request for copy agreement under section s.78(1) of the Consumer Credit Act 1974.

     

    Dear.........

     

    We refer to your letter dated ............

     

    We have contacted our client for a copy of your agreement and statement of your account.

     

    Your account is currently on hold. Please be assured that no action will be taken against you.

     

    Should we not receive the relevant proof from our client within 40 days we will close your file and return the file to our client. Our client will then decide what step (sic) to take.

     

    Yours sincerely

    Mary Gibson

    Compliance Department

  6. Ok. I've received a reply from MH stating:

     

    Request for copy agreement under section s.78(1) of the Consumer Credit Act 1974.

     

    Dear.........

     

    We refer to your letter dated ............

     

    We have contacted our client for a copy of your agreement and statement of your account.

     

    Your account is currently on hold. Please be assured that no action will be taken against you.

     

    Should we not receive the relevant proof from our client within 40 days we will close your file and return the file to our client. Our client will then decide what step (sic) to take.

     

    Yours sincerely

    Mary Gibson

    Compliance Department

  7. Ok, long time no post, but nothing much has been happening until today.

     

    I've now received a threatogram from Mackenzie Hall.

     

    This has the standard large text "IMPORTANT - DO NOT IGNORE" at the top, and goes on to state that they have been inctructed by their client to recover this overdue account.

     

    They have also given me a deadline of 14th August 2009 to pay by (nice of them to get it here with two days notice).

     

    What next please?

  8. Thanks again.

     

    Cerberusalert's letter will be going off later today or first thing tomorrow.

     

    They seem to assume that by attempting to confuse people with confused "legalese" that people will just agree to their demands and fall in line - mind you, the ordinary man in the street who didn't know about this forum may well do so.

  9. is it an application form and secondly when you say badly photocopied can you actually read it?

     

    Yes. The form is headed "Priority application".

     

    As for readability - the small print is totally unreadable, and much of the other text is hard to extremely hard to read.

  10. Ok.

     

    1st Credit have finally responded with a letter headed "Final Response".

     

    They have also included a very badly photocopied copy of my initial application form and a two page photocopy of what appears to be a fax of Barclaycard's conditons (with a date on the second page of 12/7/06).

     

    The letter states that they have sent a copy of their complaints procedure under seperate cover (which hasn't been received), and requests that I contact their offices within the next 14 days to advise how I intend to clear the debt.

     

    What's my next step please?

     

    My circumstances have changed since I started this thread, and I am now claiming JSA (which is another story entirely - a story of cock-ups and incompetance) and am on a significantly lower income than this time a few weeks ago.

  11. In late January I received a letter from 1st Credit chasing up a debt with Barclaycard. I replied to that letter, included a £1 postal order and requested a copy of the credit agreement.

     

    The response I got to that letter was - the letter and postal order returned to me, and a hand written note scrawled on the back that I had to request this inormation from the original creditor.

     

    On 5th February I received another letter from them chasing the debt, and again I submitted the above request which has so far been ignored.

     

    I have proof of delivery of both letters.

     

    Today I've recieved another threatening letter stating that my case has been passed to the "PRE LEGAL TEAM" (their emphasis, not mine).

     

    What do I do now?

     

    I'm a single parent reliant on state benefits which are about to take a massive nose-dive anyway due to my eldest being eighteen and my youngest deciding to go and live with my ex-wife - this will mean that my income will drop to around £60 per week. Obviously with that amount of income a will have zero cash available to service any debt, and also I am not convinced that 1st Credit even own the debt.

     

    Help!

×
×
  • Create New...