First Credit have taken over my debt

[mrmarmite]

ello and welcome, 1st thing cease telephone convo's. DONT talk to them, 2nd send a CCA request (click the link below letter N)

 

send by recorded with a £1 postal order

they then have 12+2 WORKING days to comply

 

after this time you can LEGALLY stop all future payments to them until such time they provide a credit agreement with a signature against it, if as you say was a few years ago it's very unlikely they will have an agreement so you can tell the to "Go Fish" (no pun intended)

 

robbing way just bottom of the pond feeders that will do ANYTHING to get more dosh out of you, don't worry about it, don't panic, you are in good hands here. there is a few Caggers here who got/had dealings with them

[mrmarmite]

DON'T sign the CCA request, PRINT your name,

 

AND yet again STOP ALL telephone calls, they will get a little jumpy when they get the CCA request. don't panic about it, it is normal for them to threaten you with court ect....... it just means they don't have the CCA and they are TRYING to put the heat on. as said really don't worry about them, you can quote something from the CCA to them and they will go on about sommit else, why? coz they dont have a clue about the law.

[mrmarmite]

ok, if it first credit that chasing you and telephone you then yes to both, they will get arsey about the CCA request BUT it normal, as you new and not learnt much via CAG yet the more experianced Caggers love threat letters, you just gotta see through the "smoke" and then brush it of, I use to hide behind sofa when postman came round, now i'm like a dog ready and waiting

[mrmarmite]

do you know IF charges has been applied to the account? if so and you dont know how much you will need to SAR the O/C (goldfish) but will sort that later, get the CCA (Consumer Credit Agreement) sorted out for the DCA (Debt Collection Agency)

[mrmarmite]

at end of day if money owed fair enough, if the comapany couldnt be bothered to do a propper CCA then it's their tough luck, which was actually said by a person the created the Consumer Credit Act 1974,

 

BIG thanks to that person i'll dig out his piece and post it for you to read.

[mrmarmite]

AND as an after thought, if charges applied AND you pay interest, if they don't have a valid CCA they they DON'T have the legal right to charge charges or interest, do you have complete set of statements for account? if not the SAR is needed then you can sit down and remove ALL charges and interest and see whats left and pay it (bet only small amount)

[mrmarmite]

yes it is important to note telephone calls, STILL don't speak to them (refuse to answer personal info) but do answer the calls, keep a log of dates and times, this will give you clowt in court if needed. i will say not answering the phone if you know who is calling wont count in court (not that they will know) but gotta cover rear end, it will all add up in the long run

[mrmarmite]

Hi guys, i'm back again with more questions

 

I posted a CCA request to 1st credit on Wednesday 2nd April, following your advice (thanks!).

 

However, I received a letter from them yesterday saying "Thanks for your letter agreeing to pay off your outstanding account. Please call this office so that we can discuss your offer in detail and make the necessary administrative arrangements. If you do not contact this office, we will assume that you no longer wish to make an arrangement to clear this debt."

 

The letter from me that they are referring to, must be the email that I sent to them on Monday the 31st March after they called me and harrassed me down the phone. I was so upset that i emailed them and said that I would continue with my payments of 45 a month that I used to pay Robinson & Way. Since that email, I have discovered this site though, and when I looked at my first letter from them again, it said that I owed debt to Goldfish Bank. I never had any debt with Goldfish bank. With Robinson & Way, I was paying off a Morgan Stanley Credit Card. Now I don't know what to do!!!!

 

I emailed offering to pay when I was under duress and not fully aware of what they were asking me to pay. now I have sent a CCA request, I don't know if I should call them to arrange payment or leave it. They say if I don't call them, that they will assume I don't want to clear my debt (court?) but should I wait until I hear back from them about the CCA?

 

What should I do in the meantime? Call to tell them that I have sent a cca?

I know this is long winded, I hope I have explained myself properly

 

As Babybear says "file it" you will prob find they might get little jumpy and attempt to put more weight on you but just ignore it and let us know whats said.

[mrmarmite]

another thing you can look at worried girl is guidelines set out for debt collection http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

we know they breach them but at least you can read the "rules" for yourself