1st Credit/Lcs Solicitors

[beero7]

Hay god mummy,

 

Not really sure wat to complain about but need to do something and not let 1st credit get away with breaking the law, which is what they are doing.

 

Thanks for all your help with this

 

Lee

[The GodMother]

well for starters u need to make the OFT aware of this. WHen the licence for 1st cum up for renewal they look at how many and the seriousness of the compains they ahve had on if they can grand the licence. the more ppl who complain the more likely they are to lose the licence.

[beero7]

That can only be a good thing for every 1 , any ideas what i should write to them?:confused:

[42man]

You could start here....although this is for organisations to fill in, I would send this !!!

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html

[beero7]

hi every1,

 

just a quick update,

after loads of letters to the courts i was told in writing that when tranfering my file from guildford county court to hastings (my local court) they have managed to lose most of my file includding my N244 ( set aside aplication) lucky the cashed the cheque back in july.

 

received a reply from my SAR to M.B.N.A ( the original credit card company) saying they have nothing on thier files.

 

and still no news from 1st credit / LCS solicitors.

 

cheers

[The GodMother]

well what a suprise.

 

I would make a new N244 and advise as you have already paid for it back in July and they have cashed the cheque that this one will not be piad for. They have already had your money so they are withholding it without reasonable reason.

 

If they Judge ask why you did not have this set aside sooner you can explian that you tried and that the courts have admitted to losing half your file.

 

just do what you done previously and apply to have the judgement set aside go to the courts and explain what you have been told, with the evidence of there mistake and the cheque being cashed,and speak to the courts manager about it.

[beero7]

update,

 

hi all, today ive had some contact from hastings courts.

 

there is a hearing on monday for a final charging order, thats right ive been told today......friday...... that im in court monday.

 

also guilford have admited they have lost my application to have the judgement set aside, i had to run down to hastings courts with a new application and hopefuly the judge will look at it monday.

 

also i still have not heard from lcs/1st crud with my cca think its been about 5/6 months since they received it ( they did confirm they received it on 14th september 2008 )

 

so im gonna try and sort all my stuff for the hearing on monday morning, any advise will be lovely.

 

cheers

[deepdebt]

Hi berro7,

 

Wow, have read the thread, shafted comes to mind just hope you can make the Judge understand the sequence of all of the events alongwith timings & evidence of who had and lost what.

 

Good luck, and thank you for keeping this thread going.

[beero7]

Hi all,

 

Just got back from court, 1st crud sent a agent to act on their behalf.

 

Well, the Judge has adjurned it for the next avalible date after 14days were he will hear both the final charging order and the set aside, he did say that my reasons to set aside had 'Very valid points' but because the lady who turned up was only a agent for 1st crud he would give them 2 weeks to look at my application.

 

Im really thinking of getting some Legal repesentation for the next hearing, Im a bit worried that LCS/1st Crud will turn up with everything in order and i must admit ive never been so scared in my life as i was at court.

 

I'll keep you all posted when i know more.

[ODC]

Looks like Worst Credit didnt expect you to appear and thought they would get judgement by default.

[beero7]

that did cross my mind ODC, i bet their wondering how i knew because they never sent me any paperwork to say i had a hearing.

 

oh well lets wait and see what they will do now.

[ODC]

[EDIT]If you can afford it I would seriously contemplate getting legal representation to wipe the floor with these [people].

Edited February 10, 2009 by alanfromderby
Abuse

[beero7]

cheers ODC,

 

I have drawn up a letter and just about to walk it around to my sol's now.

 

beero7

[deepdebt]

Hi beero7, Thats not a bad result today, could had been a lot worse. Well done I must admit if your not used to Court rooms it can be very scary place, still at least you were not going for sentencing.

 

Hi ODC, Quick question, if one is due in court surely someone must or should let you know, I'm quite worried as there appears to be a lot of this 'Judgement by default' around at the moment, any advice.

[ODC]

Of Course they should advise you of a Court Date but DCAs believe that they are above the law. Not of course that I would accuse Worst Credit of being in this category but you should read the thread and make up your own mind.

[deepdebt]

[EDIT]

 

Is there nothing that can be done, it sounds a bit late to go back to court after they have a CCJ as beero7 has discovered worst credit will act very quickly once they've got it.

 

I really hope beero7 can do something about worst credit. re legal rep in court, can any lawyer help or do they need to specialise in Civil Cases?

Edited February 10, 2009 by alanfromderby
Please keep posts factual

[ODC]

Beero, having read your thread over again from start to finish feel that you have been shafted not only by Worst Credit but by the Courts.

 

I urge you to get your MP involved in this matter.

[deepdebt]

Beero, having read your thread over again from start to finish feel that you have been shafted not only by Worst Credit but by the Courts.

 

I urge you to get your MP involved in this matter.

 

I conclude with ODC, this needs to be reconsidered from the start, its a travesty of justice and worst credit should be allowed to get away with this!!!!

[The GodMother]

also i would make another court complaint. Have u had a refund re the missing n244?

 

i feel u should be entitled to some type of compensation but i can see that happening.

[beero7]

hay all,

 

i have sent a complaint to guildford through their complaints form.

 

i did think of writing to my local mp to see what he makes of it all.

[deepdebt]

Hi berro7,

 

As post #67 above, ODC has offered a possible route.

 

This really does seem on the face of it to be outragous series of events, so if you have the time then go for it. Nothing lost worth a try.

[beero7]

think i will, i'll write up a letter and send it off to him tomo.

[deepdebt]

Thats the spirit beero7, keep fighting its your only chance!

 

Good luck.

[42man]

Highly unlikely that 1st Cred will have the paperwork....however as you have confirmation from the OC that they have no paperwork, then 1st Credit will struggle....I was in a similar situation, 1st Credit made me bankrupt with alleged debts from 2 banks...I SAR'ed the original creditors and they too could find NOTHING on my files.....through all the BR and the dissmissing of it...all they ever provided was a letter with a copied logo of a bank on it, saying you OWE US THIS....NO OTHER PAPERWORK !!! Fight this and get your costs.....and report them to the OFT....

[beero7]

ive sent a letter to my solicitor,

 

so hopefully i'll be able to get all my cost back and i have also drafted a letter up to send to the oft and trading standards.