Morning All , hope someone can advise me as im totally bamboozeld. I recevied a letter today from 1ST credit who have been assigned by HFC bank to claim a full outstanding balance from me. How do i find out who are the original creditors?? , i think its was a sainsburys loan that i took out in 2002 that was passed on to HFC bank to chase. I checked my expeiran credit rating this morning and there was nothing on there from HFC ( or indeed no mention of the couple of creditors( aktiv and connaught) i have agreements with by paying back an agreed monthly plan.) My score was 994 out of 997 with no ccj's. all green ticks and no negatives going back 6 years. Showing no records before that. I have mentioned on another thread that i havent paid the sainsbury loan(£9000) since sept 2006, when i went through a divorce and ended up in rehab as i went off the rails. .I ve been given the advice that this debt is now statute barred.There is no mention of the sainsburys loan on my credit file ( i imagine because i havent paid it for 9 years) and the records only go back 6 years on my expiran file. the letter this morning has enclosed a standing order, asking for a £10 admin fee, and to set up payment terms. the thing that worries me is that the balance they are chasing is about a third of the sainsburys loan amount(£3000) . Do you think HFC have written off the debt, And 1st Direct are charging interest on that original amount for the last 3 years since it was statute barred( basically an arbitory figure)??. Im worried now that if this isnt the sainsbury loan that someone has run up a debt with HFC under my name!, although this would show on my credit file i would imagine. sorry if this ll sounds like a david lynch film, im just hopless and explaining myself and obviously with fiscal matters. please advise this poor old sod as my heads in a spin. many many thanks

In about 2006, First Credit obtained a CCJ against me , I knew no better and simply attempted to mitigate my losses, to that end the payment plan I entered into will take them 40 years to get anywhere near the full amount owed. I have paid Connaught Collections ever since, no payment has ever been missed. Letter from Connaught this morning stating that the debt has been sold to First Credit Legal department. Question 1. Are First Credit and Connaught still the same company? Question 2. Is there any likelihood that they will attempt to go for a charge on my property after all of these years? Question 3. Is it likely that they are just being stupid and not realising that this is actually a CCJ and they are going to try to squeeze me for an increased payment?

Hi everyone Since Jan 2013 I have been making payments to Connaught Collections for an old Halifax Visa account. I've paid this religiously by standing order every month and then it suddenly occurred to me in September of this year (2014) to ask them for a copy of the CCA. When they were first chasing me, I was worried about getting any CCJ's against my name so I set up a plan asap without quibbling. I made the September payment and then suspended the October one until I heard more from them. I have today had this response from them: "We write further with your request for information in relation to this account. Please find enclosed a true copy of your credit agreement at the time the account was opened and at the point of default and statements. Due to the account entering into collections it has been necessary to supply an additional post default payment history. This is a snapshot from our system and can be found at the back of the statements. 'True Copy' - What does it mean? Please note that a copy agreement only needs to be a 'true copy' of the original. It does not need to be a photocopy or exact copy of the signed credit agreement. For example there is no obligation to include a signature or date of signature. It is permissible in Law to do this by re-populating a template with the details of the agreement taken from the creditors records. This reconstituted copy must be a 'true copy' of the information in the original agreement and must contain the terms and conditions applicable at the time the contract was executed, and at the time the account was defaulted. We would request you contact us within 14 days to arrange payment of your outstanding account. " So I have a bunch of terms and conditions but nothing with my signature on at all. They have provided statements. On this basis, should I go back to my original payment plan with them? I can't tell you when the account was opened because it's no longer showing on my credit file but it's probably 10 yrs or so old. The balance outstanding is over £6k I appreciate your advise, in advance.

hi all sent a letter to cc on 12 april 2013 asking for my credit agreement with them i have got a reply today 7 months later they have sent me the so called credit agreement which i have attached on here i dont think this is real somehow they want a reply from me in 14 days and to start paying them again i stopped paying them in april to advice as to what to do now thanks or what letter i can send them thanks

will try again with new post didnt know i couldnt put my name up on attachments. sent a letter on 12 april to cc asking them for my credit agreement form i have just got a reply today and have included the so called credit agreement i have with the company i owe the money to but am paying cc which i stopped in april this year. where do i go from now as they say i have 14 days to reply to them and they want payment again to them

hi all , on 12 april 2013 i sent a letter to cc to ask for a credit agreement thats them just sent me one back to me now , bit confused as i havent signed anything my name is wrong on it and so is my postcode just in case that helps me just wondering what to do now as not to sure about the agreement they sent me back i have put it up so people can c it any ideas what i do now thanks

Hi All, I could do with some good advice on my current situation if possible? I have just received information relating to my SAR request to 1st Credit (old Barclaycard debt) and I have some questions hopefully you can help with: 1. Due to the usual pressure of the DCA (and not understanding much about my rights) the debt was paid on instalments from 2004/5 until early October 2007. Then I request the CCA and had nothing sent to me, so stopped the instalments. 2. Now in August 2013 - I received a Judge & Priestley Solicitors letter suggesting court action, so I re - CCA requested 1st Credit to which I received the signed CCA copy at the back end of August. 3. I then SAR'd 1st Credit and have now received a large bundle of paper statements etc. I have looked through the documents there are a number of interesting statements, which have been noted as follows: "we can confirm that the following are not held in a relevant filling system and therefore have not been provided: copy terms and conditions at inception and time of default, copy statements for the entire duration of the credit agreement and termination notices. If you require this please contact the original creditor." Also, on the logged system notes I noticed this: "Action: User note - CCA request complied with - However given that client is unable to provide T&C's at the time the account was opened and at the point of default we will not issue proceedings" So, I feel lucky its not at this stage going to court action, however how should this be interpreted i.e. can they still choose to take legal action or based on missing information am I a difficult case for them now? Also, due to the SB limit being early October have I reset the SB clock based on my CCA request and CCA received including the SAR request? I really appreciate your help on this as I want to understand where I stand on this matter i.e. level of future risk. Many thanks. iwcmd.

Hello Will try and summarise.. . if I miss anything please let me know but would be so very grateful of any advice on what to do now. Capital Bank Joint Personal Loan £5,481.20 outstanding taken out in 1997 It got transferred to Wescot Credit years ago and we had no communication with Capital Bank Direct at all. It went to Legal & Trade Collections before Wescot and also a solicitors but we adamantly paid the minimum and had been paying £40 a month to Wescot for a long time but not paid anything since beginning of 2009. April 2009: received a letter with 'Your Annual Personal Loan Statement Agreement No: xxxxxxxxxxx for the period 01/10/2008 to 23/02/2009. It shows a statement opening balance as at 1/10/2008 and then 3 payments october, november and december 2008 with a statement closing balance. Had never received a statement before that at all. Nothing shows even to this day on Experian 2nd May 2009: Sent a CCA 17th May 2009: Sent a failed to respond letter account in dispute 22nd May 2009: Received a reply from Capital Bank dated 20th May 2009 thank you for your statutory request for information in respect of the above Loan Agreement. Please find enclosed a signed copy of the executed Agreement. Thats it and then a 2 page agreement which can be viewed here Page 1 http://i39.tinypic.com/jayh3p.jpg Page 2 http://i42.tinypic.com/20ubd04.jpg At the beginning of the year 2010 got a statement and then another one in February 2010 which is just a general statement showing what we owe and what was paid. There are no charges on the account and no interest been applied. 13th August 2012 My husband got a letter dated 13th August 2012 (my name not on although a joint account): "We are writing to notify you that Bank of Scotland PLC has assigned all of its respective rights, title and interest in respect of the above referenced accouint (including the outstanding balance) to 1st Credit (FINANCE) 5 LIMITED, effective 31st July 2012." .... plus more just stating that they are managing the account and we have to contact them to organise payment on the account as a matter of urgency. There was also an 'Account Assignment' attached stating balance now due and to contact them to agree repayment options etc. etc. etc. 28th September 2012: Today my husband received a Statutory Demand under section 268(1)(a) of the Insolvency Act 1986, Debt Liquidated Sum Payable Immediately - Form 6.1 Any advise would be much appreciated as read on a number of forums that Connaught always send these out and not worth anything then some forums saying that houses could be possessed ! if over £2,000 so take it seriously. Also my name is not on anything it is always my husband although the original loan was a joint personal loan. Many thanks in advance

I also have just received a statutory demand for my husband from 1st credit / connaught collections and i am panicking so much so i can remember how to start a new thread. The notice was served by interlink putting through my door. the delivery driver then banged on the door to wake me up and got me to sign for it. unfortunatly my initials are the same as my husbands ( GROAN)....

I went to the County Court today, Judge not impressed with 1st Credit - Connaught set aside the Stat Demand and virtually talked me into claiming costs, awarded me £50. I had requested 1st Credit - Connaught provide me with a copy of the original agreement which they were unable to do... in fact never even replied to me or the Court. If any one wants a copy of the letter i sent to them let me know.