Hi, made a cca request to First Credit Ltd on 17th August 2009, still no reply, sent recorded delivery letter with payment, and still no reply. Do i have any chance at all at getting my payments back i have made, i think this account (had with Barclaycard) is now 7 years old, but got scared after their threatening letters that i started payments. Can anybody help please?

because i have not lived at the said address for 6 years, and not heard or received anything from barclaycard up until a few months ago. Does this still stand then? They even cancelled my card while living at the said address, and i had not used it for 6 months beforehand as i could not make the payments.

thanks very much for your help. i am actually paying this stupid amount, but not anymore, this debt is over 6 years old, and now 1st credit are threatening me with doorstep callers,and court action, being vulnerable i have now decided to ask them for a copy of the debt. and see what happens? thanks very much for your help dx100uk. good job theres people like you out there to help. cheers!!.

hi, sent off a letter to 1st credit ltd on the 17th august 2009, requesting copies of all my debits and credits with Barclaycard and a copy of CCA, they have received it on the 18th august,(checked with P.O). they only have until 29th august 2009 (am i correct?) to reply, could anyone also clarify if i can actually get my payments back from them i have paid, they do not own this debt, and i did not hear anything from the original debtor from well over 6 years ago, do they have to refund my monies.