1st Credit/Connaught etc.

[Hman74]

Has anyone else encountered harrassment from 1st Credit and their enforcers such as Connaught Collections?

 

Back in 2005, when I was applying for a mortgage, I received a letter from 1st Credit completely out of the blue requesting I settle an account from Tesco Personal Finance for a loan approx £5440. I had no paperwork or recollection of ever having this loan amount from Tesco, so I decided to take precautions anyway. Tesco had no record. I sent a CCA letter, with help from my local CAB, and they acknowledged the letter but sent no copy of a financial agreement. Several months passed, then I receive another letter 'urgently' requiring payment or else, the usual story.

 

This has happened ever since then, a letter turning up from 1st Credit every 4-5 months, then more recently Connaught and another 'ENFORCEMENT' company who are apparently 'authorised' doorstep home visitors. Whilst nothing has ever happened and I dont actually owe anything, I still feel harrassed, particularly when my wife opens the mail and is understandably distressed. This has been going on for 3 years and these morons at 1st Credit etc are causing unecessary psychological upset.

 

Any suggestions??

[spark1]

deleted

Edited April 5, 2009 by spark1

[42man]

As for the doorstep request send them this....by recorded delivery and do not hand sign it...

 

Dear xxxx

 

Account Ref xxxx

 

Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by telephone over the past few weeks/months and these have been duly logged by time and date.

 

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Yours faithfully/sincerely

 

If this isn't your debt, request a copy of their official complaints procedure...once that is exhausted or not to your satisfaction then complain to the Financial Ombudsman Service....