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  1. My OH has a repayment plan with this lot and continues to get reduced offer request letters on a monthly basis. a recent payment was missed due to a banking error she received an e-mail (they do not have our phone details as refused this in writing) from 1st Credit advising and that she was to contact them to reset payment plan. She made an on-line payment and sent an e-mail advising this and that all will be in order going forward. Today she has received another e-mail confirming that arrangement as been reset and she will receive a letter to confirm this. They are
  2. Hi hi Sorry don't know if its right tread I had a 2004 1st national loan, ( which back then belonged to ge money), and even with the original paperwork, and after been sent/forward to santander as they seemed to have bought they portfolio, and after getting an answer the account is too old we dont have the data anymore- even though I sent them a copy of original loan agreement, I try through FOS, which also said they were in favor of the ;ender, |I just felt so discouraged that I just quit, this was over 18 months ago, is there anything I can still do? Many thanks
  3. This happened on June 19th, I was caught abusing a loophole in the self checkout where I scanned cheaper items to put in heavier, more expensive items down. I had being doing this for a while quite often, but didn't take anything of high value, just food on my lunch breaks. When I was caught, they said they were on to me for the past couple months. I had visited the Tesco only 2 to 3 times a week and at odd times during lunch (could be from 12pm to 2pm) and not everytime I did this, sometimes paying for a bag of crisps, etc. The thing is, the security guard didn't even pull me i
  4. Hello, I am in the process of trying to sort out my partners finances. He has several debts but I will post them in different threads. The first is 1st Credit and HSBC. I thought it was a credit card so sent off a CCA request to which he got a fairly standard reply that they were sorry he has a dispute and they would contact the original company for more information. Fast forward about three weeks and he received a package of papers containing a covering letter saying that debt relates to an overdraft and is therefore exempt from Part V of the Consumer Credit Act 1974; a fac
  5. Charity Commission orders military charity to wind up - 1st Knight Military Charity READ MORE HERE: https://www.gov.uk/government/news/charity-commission-orders-military-charity-to-wind-up
  6. Hi Received letter from DRP (Debt Recovery Plus) to pay £160 for unpaid PCN from 14.4.18. I've never received a PCN from UK Car Park Management Ltd before, so this is the 1st time I've seen anything! Just called DRP to get more info - they have photos, say I exceeded maximum stay (or may not have paid). I remember being surprised on the day that it has changed at Brighton Met College to the new system, lots of people that day had confusion, couldn't pay by phone (there's no cash option) or was told carpark full, which it clearly wasn't. I have phone record on that
  7. hi, I have a 'Simply Be' account with JD Williams which has been repaid at a reduced (interest and charge free rate) rate for the past 2 years or so, they agreed to this when we contacted them to say we were having financial troubles. I have repaid each month without fail i guess the debt isnt reducing fast enough for them as they appear to have recently sold the debt to '1st credit'. A letter arrived from 1st credit saying that they are now the legal owner etc and that payments are to go to them now. I don't want my credit rating to be affected and i know the debt is
  8. Rent pressure zones READ MORE HERE: https://beta.gov.scot/policies/private-renting/rent-pressure-zones/ Please note this only affects 'Private Residential Tenancies' in Scotland Only Rent Pressure Zone Checker: https://www.mygov.scot/rent-pressure-zone-checker/
  9. Thank you very much indeed in advance for any help anyone could give me as I am VERY worried I am going to end up with a large bill / CCJ I have no way of paying. Completely out of the blue around 6 weeks ago I received a letter from "1st Credit " based in Reigate saying that they were going to apply for a " stay " to be removed on a court case for a debt they were chasing me for back in 2015. This relates to a credit card that I opened in Feb 2000 (!!) - the last payment towards the debt of £25.00 a month I paid back in Nov 2011 !!! 1st Credi thought the debt on 18th Nov 2013 a
  10. Hi I’m hoping someone can point me (and my father) in the right direction. This is the back story. I helped my father resolve visa problems around 5 years ago whereby his APR was increased and monthly payment amounts raised – he was paying the interest only per month on his cards with one company requesting nearly 35% APR. He has successfully (with the help of forum users) paid off all but one company. We managed to negotiate “full and final” payments with all but one of them. I believe one company tried to go with a Debt Collection Agency but we wrote to them
  11. 1st credit.. Hi having problems with 1st credit. Back in 2010 sent a SARS request on an old Halifax account that they were claiming that my wife owed to them. This request was unanswered . Sent an unenforceable letter which was also unanswered. They then sold the alleged debt on. Sent them a letter stating that this alleged debt was unenforceable due to noncompliance of the SARS request and had no reply. Fast forward to a month or so ago when she received a bailiff letter for nearly double the alleged debt. Apparently she had been taken through Northampton cou
  12. Hi, i have a halifax credit card (pre-2007) where i have issues regarding interest rates, currently with 1st credit. they've told me to write to halifax to request the documentation (original form) as they don't have it, and halifax say they don't either. at the moment, my account's on hold, but i wasn't sure if you give advice on pre-court issues....
  13. Hello all, I have received a claim from 1st Credit in regards to an alleged Lloyds TSB Loan. Unfortunately the claim form came whilst I was on Holiday and so I have missed the date in which to respond. As advised by your Set Aside section, I have contacted both the court, and their representative. Whilst it bugs me to pay the Application fee (as I had no chance to respond) I want to still defend this. So any advice will be appreciated. Just to advise, I have not sent any letters as of yet, however, I did a SARs a year or so ago and so have a lot of paperwork that
  14. I had a Citi card which has been Opus for some time now. I have never had an Opus card but have just been paying of the old Citi balance. Due to an ongoing divorce I wrote to Opus asking for a reduction in my agreed monthly payment from £50 to £25 and they replied agreeing to this request. Since then they have twice threatened to default the account saying that I am not making the minimum monthly payment. However when I spoke to them yesterday they agreed that they have frozen interest and charges but were not able to tell me why I was not making the required p
  15. http://www.mirror.co.uk/money/17-things-more-expensive-morning-10135391 1: Council tax - on average 4% 2: Water bills - 2% taking the average water bill to around £395.00 3: Prescription costs - increase of 20p from £8.40 to £8.60. 4: NHS Dental charges increased. 5: Cost of a 1st class stamp has increased by 1p from 64p to 65p and a small parcel by 5p from £3.35 to £3.60 6: The cost of a TV licence has gone up by £1.50 from £145.50 to £147.00 Other items include mobile phone bills, broadband bills (although I see that some package prices will
  16. I've just sent off (with the £10 postal order) a Formal DSAR request to 1st Crud. All info required to be supplied, including a signature was provided in my formal and detailed letter. I've just received one of their 'please fill out this 5 page form' before we are obliged to do anything, however I'm not happy with what they are requesting I provide. There is no way I am ever going to provide them a copy of my driving licence, or bank statements and I'm back on here for some advice. I've been completing DSAR requests for approx 10 years, and apart from (almost) starting legal act
  17. Having booked a 17 day Sydney 2 day hotel room only stay and 15 day NCL cruise of Austria and New Zealand for Nov 2017. As the tv presenters had stated if you want to add any extra days on please just call back after booking as we are travel agents also so will make sure you get the best price? We contacted Cruise 1st customer service to request a quotation to stay an extra three days earlier in our hotel and change our flights out date. The email reply I have received offered to change our flights for £100 each and the extra three days in the same holiday hotel would be for a room
  18. Me again. Trying to sort out my partners debts. He's got a debt with Opus and is being chased by 1st Credit. Sent off a CCA request on 28 October on 21 November got a standard letter saying that they are aware a dispute/query has been raised and they would contact the original creditor in order to request any information they hold but it may take several weeks for them to gather this information. Can I presume that they haven't got the original CCA? I'm not going to suggest any response to them anyway. The other question is all correspondence goes to his
  19. Hi, I sent letters to Tesco Bank asking for debt validation, deed of assignment, proof of contract they have eventually after 4 months passed onto Moorcroft sent them letter 1 got this response? Questions I have is We received the instructions in good faith from the client/data controller - What document do they require to show the courts they are the data controller is this the deed of assignment? Original contract with our client? I thought it was an agreement? could I state i requested a contract not an agreement in court they failed to supply correct document? Pro
  20. Firstly I would like to apologise if this information is already somewhere and I've missed it! I currently have the following defaults (shown on my credit report): - Lowell: £733 (Date of default 02/01/2013) - Lowell: £660 (Date of default: 28/02/2013) - 1st Credit (Finance) Limited: £ 904 (Date of default: 16/07/2013) I remember receiving a lot of discount letters in the past which I simply threw away, now however, I want to address the issue and finally get my credit score back into shape by settling them all. At the moment, I'm seeing a ton of different routes like s
  21. 1st Credit were assigned a debt from AA Finance and I got papers from Northampton recently. My defence against this claim is as follows: 1. This account was defaulted on 13/10/2009 but I have no evidence of a: a. notice of default sums letter b. default notice letter c. failure to comply with a default notice letter. 2. My initial request in early 2010 for a copy of the signed credit agreement was unsuccessful. 3. To date I have been approached by the following about this alleged debt: a. Apex Credit Management – January 2010 b. IQOR Recovery Services – letter dated
  22. Hi alli need your advice again please:) in april i requested a copy of cca this is what they sent i will post up it looks like they have passed it on to Allied International, i have received this card throu the post it was in a envelope i requested my S.A.R which i received last week all they have sent me is 5months of statements from may to september 03 on my credit file its showing number 6 and has not been updated for 2months any advice is most appriciated thank you:)
  23. Hi All, I'm new here and after reading so many helpful posts I was hoping someone could help me. I have received claim forms and wondering what to do next, please find the information I have completed below as I have filled out the questions asked: Name of the Claimant ? 1st Stop Recoveries Date of issue – 11th Feb 16 What is the claim for – 1.1st Stop Recoveries Ltd claim this amount in respect of an unpaid loan funded by Uncle Buck Ltd. The defendant failed to abide by the terms of the contract. 1st Stop Recoveries purchased this debt from Un
  24. Hello Please help me with this. I received this offer but went through many other topics and I'm worried that they can sell rest off balance to other company. I should go for that offer? Or I should ask for Full and Final?? Already send them email that I can afford 2,700. Thanks for any help 1st Credit Reference : 00000000 Original Creditor : Partner Finance Your Balance : £10,000.00 Dear EDITED , We would like to thank you for your continued commitment to paying down your debt and progressing towards your debt free day. To support you in
  25. I was on a private road which goes to Hayes station. There was a lorry infront of me turning, blocking g the road, so I stopped and let my wife out, turned round and went, instead of waiting to use a parking bay. The images sent to me are two mono 2 x 3.5 cm. The car in the picture is only 4mm's wide. Nothing on the vehicle is identifiable. SOME WORDING FROM THE PCN 0n 30/10/15 when this vehicle was packed in a manner whereby the driver agreed to pay a charge: " parking outside a marked bay / on restricted roadway / landscaped / paved area or causing an obstruction or inconven
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