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Aqua MasterCard/1st Credit


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Hi,

 

I have a small debt to Aqua MasterCard (£300) and it is being handled by 1st Credit.

 

On the 28th December I sent a CCA request by recorded delivery and have received this response from them this morning:

 

000_0215.jpg

 

 

Could I ask for advice on what my next move should be, particularly in response to paragraph 2 and 4.

 

Many thanks!:smile:

 

boa ......

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Hi N.P,

 

Thanks for your reply .... :)

 

I have been making monthly payments to 1st Credit but I advised them in a separate letter that I would not be able to continue to do so and I made a renewed offer of nominal payment only (£1.50) and sent a cheque for that amount ... it has been cashed at my bank today!

 

The card was issued about this time last year.

 

A little history of my situation can be seen here ....

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/123986-debt-mangement-collection-agencies.html

 

boa .....

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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  • 2 weeks later...
Hi boa,

 

Just wait until the 12 working days are up and if they still haven`t shown up with anything it`s then up to you if you want to stop payments.

 

In the mean time, just let them get on with whatever these fools do. It`s upto them to comply with your request now. Don`t think your obliged to send them a reminder, because your not. Just let them fester, like the parrassites they are. Parrassites are not that bad really, they live of others to survive, but these scrotums just terrorise people for fun.

 

As the account is only a year old they may well have a CCA, but you never know.

 

Anyway, catch you later.

 

Regards

 

 

N.P

 

 

I received a further two letters in the post this morning one dated 8th Jan (1st scan) and the other dated 11th Jan.

 

I'm puzzled by the contents of both letters as they seem to be ignoring issue of my CCA request.

'request for copy invoices' ... whats that all about:confused:

 

Any advice on how to proceed from here would be appreciated .... or, do I still sit tight?

 

The 12 days expired yesterday.

 

The letters .........

 

000_0293.jpg

 

000_0292.jpg

 

Boa ....:)

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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  • 1 month later...

Hello all,:)

 

Okay, I have had further correspondence from 1st Credit concerning my Aqua account.

 

To summarise, on 28th December I sent a CCA request to 1st Credit, they responded by sending letters (copies previously posted to this thread) ... a little over 2 weeks ago I received a bunch of 'copy invoices' on plain paper but no true copy of the CCA.

 

This was followed quite quickly by a further letter 'introducing 1st Credit' to me, (I have been dealing with them for 6 months) advising that the debt had been assigned to them and as a result the full amount outstanding was due to them .. immediately!

 

It went on to say I should make no further payments to Aqua .. (that in it's self is odd as I have been paying 1st Credit for the last 5 months) and that should I require a copy of any 'personal information' that they hold on me, they would, in accordance with Data Protection Act 1988 and on receipt of a fiver, be happy to comply. :confused:

 

Then today, I received a further letter threatening 'legal proceedings' asking that I should take this 'final opportunity to make contact'.

 

So, any advice as to where I stand on this at present ... I still have not received a true copy of the CCA, unless of course the bunch of invoices fulfills their obligation under the request.

 

I have been paying a nominal £5 a month since October, reducing it to £1.50 in December at the point that I made the CCA request!

 

Would really like some advice here ..... many thanks,

 

Boa.......

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Hi 42man,

 

Yes I did get an assignment notification almost immediately after I sent the CCA request, (see copy, #8 of this thread) ....

 

So, would I best send a stroppy letter reminding them of OFT guidelines in particular 2.8 (k)?

 

Boa ....

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Ah, sorry 42man ...

 

I have just read your post again, properly this time .

No I didn't get an assignment notice from Aqua, only the letter previously imaged in this thread.

 

Boa....

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Great, I will get a letter organised and in the post this afternoon and I keep you posted of the outcome.

 

Appreciated your help 42man.:D

 

Boa .........

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Great, I will get a letter organised and in the post this afternoon and I keep you posted of the outcome.

 

Appreciated your help 42man.:D

 

Boa .........

 

 

 

Okay, I received a response from 1st Credit this morning in the form of a letter outlining 1st Credit Limited 'Complaint Procedure'.

 

Would it be possible for some kind member to cast an eye over the letter and advise me accordingly .... this is a first for me and I wish to get it right first time!

 

000_0657.jpg

 

 

This is the response I got by sending an edited version of the letter template in 42man's post #15.

 

boa .........

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Mornin all :D ,

 

Okay, I have had a further letter from 1st Credit this morning in response to sending a copy of the letter template offered in 42man's post #15.

 

000_0658-2.jpg

 

000_0659-1.jpg

 

So, as you can see from this letter, they are now saying that I did not pay the fee required when making the request.

 

I made a CAA request on 28th December 2007

 

I enclosed a crossed PO made payable to 1st Credit Ltd in the sum of £1

 

I sent the letter with the PO by recorded delivery on the 28th December 2007.

 

I have the post office stamped (orange) receipt.

 

I have the post office printed transaction details of the postal order which includes voucher ID number and to whom I made it payable.

 

I now have proof of delivery from the Royal Mail website after entering the recorded delivery reference number.

 

I am currently trying to find a telephone number in order to speak with the Post Office postal order team in Chesterfield to establish the actual date that the postal order was cashed by 1st Credit .... if anyone has that number I would be grateful.

 

In the meantime may I once again call on advice on how to proceed from here ..... :mad: [EDIT]

Edited by alanfromderby
  • Haha 1

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Thanks honey5,

 

I have just got off the phone from them, apparently, there is no number any enquiries need to be made in writing and sent to Chesterfield .... that's gonna take a week or so knowing RM:(

 

 

boa.......

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Well Well Well ................. what can I say!

 

I managed to get a telephone number for the postal order team at Chesterfield (01246 542091) and 1st Credit have NOT CASHED the postal order.

 

Is this some sort of 'stroke' or what?

 

Where do I go from here?:(

 

boa ........

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Hi Boro,

 

I was just contemplating my options with regards to that, however, as I am a novice in these matters and this will effectively be the first battle in my war against DCA's, I don't really want to screw it up!

 

Who would I report them to .. OFT and, should I or do I need to, refer back to 1st Credit and inform them of my intention to do so?

 

Is there a template available for a letter of complaint to the OFT?

 

 

 

boa ......

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Just in case anyone else has a PO problem to deal with .... this may help!

 

Extracting information from the Post Office Postal Order Team.

 

This department claims that it ONLY deals with written enquires and communications.

 

Here's a thing to get around it ........

 

I have obtained the number 01246 542091

 

When they answer, you get straight through to a team member (totally amazing in itself):D who will ask if you have received a letter and then ask for the reference number off that letter ..... the reference number that they use is the voucher ID number of the postal order.

 

Just quote this from your post office receipt and make your enquiry .... easy peasy!!

 

boa ....

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Hello tabitha08,

 

Welcome ... I am a new member as well having only joined last December, I have had excellent sound advice and help from other members and it has help me regain the will to fight on.

 

Hope all goes well for you and your other half ...

 

boa. ....:D

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Hi N.P

 

I'm okay thanks, soldiering on in the best way I can.:D

 

With respect to 1st Credit and the letter I received from them (see #22) I knocked a reply together yesterday but as yet haven't sent it, perhaps you (or anybody) would be kind enough to cast an eye over it and make comment before I get a copy in the post later today ......

 

1st Credit Limited

The Omnibus Building

 

Lesbourne Road

Reigate

Surrey

RH2 7JP

 

 

26th February 08

 

For the attention of [EDIT]

 

 

Dear Sir,

 

Ref: 11111111

 

Re: Aqua MasterCard Account No: 111111111111111111

CCA Request 28/12/2007

 

 

Thank you for your communication dated 25th February 2008 referring to the above account - your comments have been noted, particularly your attempt at sarcasm in the final paragraph.

 

The measure of your disappointment at my choice not to make any further payments on this account cannot equal my feelings of intense anger and frustration at your decision to prevaricate and ‘play games’ with me in respect of this matter.

 

Let me reaffirm and clarify your legal position on this situation:

 

The Consumer Credit Act allows 12 working days for this request to be carried out before your company enters into a default situation. If the request is not satisfied after a further 30 calendar days, your company commits an offence.

 

These time limits expired on 12th January 2008 and 11th February 2008 respectively.

 

As you are no doubt aware, Section 78(6) states:

 

If the creditor under an agreement fails to comply with subsection (1) -

 

(a) He is not entitled, while the default continues, to enforce the agreement; and

(b) If the default continues for one month he commits an offence.

 

Therefore on 11th February 2008 this account became unenforceable at law and no further payment will be made by myself to the account as you have failed to comply with a bona-fide request for a true signed copy of the said agreement, under the relevant sections of the Consumer Credit Act 1974.

 

Finally, should you continue with this erroneous ‘fee not received argument’ as a valid reason for your failure to carry out your obligation under my recent request, I will view it as a deliberate act of fraudulence on your part and I will respond with the appropriate measures.

 

The £1 for information pursuant to the Consumers Credit Act was made and, has been received by 1st Credit - as such your comments and observations in your letter are inappropriate and subsequently do not apply.

 

 

 

Yours truly,

 

 

Xxxxxxxxxxxx

 

 

 

xxxxxxxxxxx

xxxxxxxxxxxx

xxxxxxxxxxxx

xxxxxxxxxxxx

 

 

 

 

 

 

 

 

I just needed to respond in some way to the smug txxt that wrote from 1st credit.;)

 

boa .....

Edited by alanfromderby

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Get your evidence together and report them :D i can see this one being fun

 

It doesnt matter what they did with the £1 fee, merely the fact that it was there and that you can prove it is good enough, sneaky b*s*ards though :rolleyes:

 

If I was to go ahead and report them as you suggest, who would I report them too? ......... and is there a standard letter of complaint available?

 

I apologise for my thickness!

 

boa ....

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Back again :D

 

Okay, I have had a reply to my letter (#33 of this thread) ...

 

000_0664.jpg

 

 

What puzzles me is, if they placed the quoted narrative on my account at the time my CCA request was received ... why did they not mention it to me in their confirmation letter of 3rd January (#1 of this thread).

 

Then there are the letters that I received (#8 of this thread) on or around the 11th January :confused: .... why? My CCA request made no mention of 'copy invoices' or 'assignment notices'.

 

Then, I received a bundle of copy invoices with a compliments slip ...... this is yet another puzzle, why send them when I didn't send a S.A.R request, also, they bleat on about the £10 charge required before they can supply 'copy invoices' ..... I did not pay £10, why would I, I didn't ask for the copies in the first place.

 

Any advice on what my next move should be ..... I really want to write to them and say 'see you in court' ...

 

boa...

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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42man, boro,

 

Thanks for that, I will 100% get a letter of complaint off to the FOS this weekend ... I know you said keep it simple, but is there a template available for this type of letter?

 

i do not believe you should have to prove that it was there, what if you sent them a quid again (to cover all bases) and then found they had bluffed you along for extra time and came up the an agreement as im sure they will start the clock again from the date of receipt of the £1 fee :rolleyes:

 

I thought that myself!

 

boa..

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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  • 2 months later...
HI boa,

 

Write and tell these duck eggs you are quite happy to let a Judge decide wether or not they are in breach of your CCA request, and if not, tell them to sod off!

 

Remember, if you have proof of postage, the Judge will deem it received 2 days later. As, you HAVE proof of postage and also the receipt from your Postal Order, I don`t think you could lose. I can`t honestly see how they can lose a Postal Order from an envelope which also had in a letter they received. And would anyone want to open it before it reach them and swipe a £1 Postal Order? I don`t think so.

 

Call their bluff, and tell them they`re getting bot all.

 

Regards

 

 

N.P

 

Okay... it's been just over two months since I last wrote to 1st Credit saying that I was quite happy for a judge to decide whether or not they have breached my CCA request and in that time I have not heard a whisper from them .....

 

Should I let sleeping dogs lie or should I stir them up with regard to defaulting on my request .... incidently, I was paying nominal monthly amounts to 1st credit but I ceased making these payments after advising them I would do so.

 

Boa....

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Hi N.P,

 

Yeh I have decided to leave it be for the time being as I have got another case on the go with Barclays .... that should give me a bit of fun for a few weeks ......

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/144523-barclays-appointed-dca-i.html

 

Regards .... Boa ...

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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