I've now received a reply from 1ST CREDIT to my CCA request saying:
"we confirm that we have requested this from the original creditor and will forward this to you once we are in receipt of the same.
In the interim we confirm that no further action will be taken against you in respect of this matter by us, until the credit agreement has been provided to you"
Here is the information you asked for above:
Name of the Claimant ? 1ST CREDIT (FINANCE) LTD
Date of issue – 24TH MAR 15
(Must acknowledge by 12th April ? / submit defence by 26th April?) 4pm 24th april - edit by dx
What is the claim for – the reason they have issued the claim?
”On 23/09/1998 the defendant entered into an agreement for a credit card with the Original Creditor under Ref No. xxxxxxxxx.
On 25/05/2013 the defendant defaulted on the agreement with an outstanding balance of 8,415.17.
On 04/09/14 the debt was assigned to 1st Credit (Finance) Ltd in the sum of 8,41517, by the Original Creditor.
A Statutory Notice of assignment was sent to the defendant.
AND THE CLAIMANT CLAIMS
1. The sum of 8,415.17
2. Statutory interest pursuant to Section 69 of the Courts Act 1984 at a rate of 8.00% per annum from 17/9/14 to 23/3/15
344.91, and thereafter at a daily rate of 1.84 until judgement or sooner payment”
What is the value of the claim?
£ 8760.08 + £ 410.00 COURT FEE + £ 100 SOLICITORS COSTS = £ 9270.08 TOTAL
Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? HSBC VISA CREDIT CARD
When did you enter into the original agreement before or after 2007? BEFORE 2007
Has the claim been issued by the original creditor
or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser
Were you aware the account had been assigned – did you receive a Notice of Assignment? NO, NOT RECEIVED
Did you receive a Default Notice from the original creditor? NOT SURE
Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO
Why did you cease payments?
I CONTACTED STEPCHANGE BUT THEY WERE EVENTUALLY UNABLE TO HELP
AS ONE OF MY CREDITORS REFUSED TO DEAL WITH THEM.
What was the date of your last payment? NOT SURE
Was there a dispute with the original creditor that remains unresolved?
NO, JUST THAT I WAS UNABLE TO MEET THE MONTHLY PAYMENT AT THAT TIME, I DID ASK TO MAKE A REDUCED PAYMENT BUT THAT WAS REFUSED.
Did you communicate any financial problems to the original creditor
and make any attempt to enter into a debt management plan? YES, SEE ABOVE