1st credit - legal threats in default of CCA. What should I do?

[miaow99]

I sent a CCA request to First Credit last month, which they acknowledged with the usual "we don't hold this, we'll get hold if it and send it to you." The 12+2 days is now up.

 

Today I received a letter from LCS solicitors (their in-house legal team) saying full payment is made within 14 days, they'll make a country court claim adding costs etc. It also says they are not instructed to enter into correspondence with me, I need to write to 1st Credit.

 

How should I respond, and who should I send it to?

 

M99

[42man]

Send this to LCS...(by recorded delivery)

 

Dear Sirs

 

I refer to your letter of XXXX 2008 which was received today.

 

Frankly, I am surprised of the need to advise a firm of solicitors about the terms and conditions surrounding my Consumer Credit Agreement request (Consumer Credit Act, 1974); dated XXXX 2008 for which I have proof of receipt . I can only assume therefore that they failed to inform you of their non compliance. Your client had until (12+2 days after sending date) 2008 to comply with a legal request.

 

Should your client persist with threats of legal action as stated in your letter, I will welcome the opportunity for a judge to look at several offences committed by your client under The Consumer Credit Act, 1974, as well as your client’s non-compliance with and total disregard for the law on this occasion.

[ODC]

Make a formal complaint about First Credit for passing on a disputed debt in clear breach of OFT Guidelines.

[Hman74]

I agree with ODC. I sent a CCA request to 1st Credit over 3 years ago, to which they have never provided one, but still continue to send periodic letters and threats from their associated companies! I am seriously considering reporting them to OFT, Trading Standards and FOS. If they carry out a credit/address search on Equifax or Experian, is this illegal?

[babybear39]

Report 1st crud to Trading Standards and the OFT for breaching OFT guidlines, the UCPD and the CPUTR 2008.

 

Report LCS to the law society

[Hman74]

What are their specific addresses or do they all have a local office?

[ODC]

1st Credit's head office is located at-

The Omnibus Building

Lesbourne Road

Reigate

Surrey

RH2 7JP

Telephone 01737 228 555

Facsimile: 0870 164 2070

Email: [email protected]

 

 

PLease report them as they are being watched very carefully by people in authority with regards to their licence.

[miaow99]

Well, technically they weren't in default when they wrote the letter. The default date was today, the letter was dated the 4th.

 

Should I still report them to OFT or wait for another letter?

 

I am still going to write a the suggested reply - as pt said, I think it's important to reply to anything they put in writing, in case it does end up in court.

[babybear39]

LCS should still know that the CCA request is oustanding and shouldn't be writing to you at all. It's intimidation and does not negate their client's duties whatever date they write!!!

 

Reply to LCS with a one liner telling them you're waiting for a CCA request that's now in default.

 

Wonder what the news from Reigate will be tonight...1st crud using their bully boys LCS a few days short of the CCA deadline to frighten people. Oh dear, nawty, nawty

[ODC]

LCS should still know that the CCA request is oustanding and shouldn't be writing to you at all. It's intimidation and does not negate their client's duties whatever date they write!!!

 

Reply to LCS with a one liner telling them you're waiting for a CCA request that's now in default.

 

Wonder what the news from Reigate will be tonight...1st crud using their bully boys LCS a few days short of the CCA deadline to frighten people. Oh dear, nawty, nawty

Tonights instalment from The Omnibus Building should be good. It usually is on a Friday:D.

 

LCS that well known firm of professionals with not an LLB between them.

 

Still we know what LCS really stands for.

[babybear39]

Oh yes, we do now

 

I have my chilled exspensive white wine that I used the money my alleged creditors said I owed, waiting to hear what news we get Cheers ODC *clink*

[ODC]

Well who would have believed that little gem about Uncle *** and his new ***

[babybear39]

Unfortunately, I would lol...