Maccas Mum/Panorama/First Credit

[pt2537]

Hi i am the lady featured on bbc1s panorama10/11/2008 cant pay wont pay.I know some people thought i had a yes no attitude to 1st credit,however i was told by panorama not to get angry as it could be seen as antagonising them in front of the camera! Truth is i did cry i was upset and all i wanted was for my dad to be my old dad no longer be disabled and mentally unfit for anything! He was a mess these people at first credit were cretins but panorama were my last hope.I knew i needed to be calm (how i did i will never know ) they were the most insensitive bunch of B**tards i have ever known! To see my dad hounded to death by them when he was negotiating with his voices by offering them 3 fingers and a kicking not to kill me and shoot him was the hardest thing i have ever had to see.He just had so many bills and my mum has now taken on the house and mortgage since they have now split up,i just wanted to sort them all out! He has lost everything he worked 6 sometimes 7 days a week to pay what needed paying we had food in our tummies and clothes on our backs,untill his body began shutting down slowly after 5 years he is registered disabled (he used to work on the roads) is on 15 sets of medication and is now sectioned.He has never had a mental illness but after seeing his neurologist just 4 days ago ,he has something wrong with his brain,diagnosis still to be confirmed .That is why i was so passive with them. I know he owes the money and 1st credit will be paid.

I did have a call from a senior figure of 1st credit who apologised and said they had been misleading and are re-training staff and as you say until the next time they are caught! I have also had a call from Panorama who have also said anymore trouble from them they will give them a shove!

I have to contact 1st credit on the 21st and i would be greatful if you have any suggestions X

 

Hi,

 

Welcome to the CAG,

 

I was appalled by the way your case was dealt with, the threats from 1st Credit absolutely shocked me as much of what they said was very very misleading in my opinion.

 

I currently have a case which i am looking to issue proceedings on behalf of a client very very soon and we will be seeking to recover the excess money that has been paid under an unenforceable credit agreement

 

I note you say 1st will be paid, may i ask what the debt is for? is it a credit card? store card? loan?

 

Also which lender was it originally with?

 

It may be the case that your dads account is underpinned with a defective agreement and he may have already repaid the capital and further more may have an entitlement to recover the monies which he has paid over and above the capital

 

These companies work on fear, their threats are their weapons and once you see through this then they lose all their power

 

If you can let us know what the debt was made out of, then we can help you to deal with these people

[pt2537]

Hi there it was a credit card with citi bank, he had never ever been in any debt before but eventually became unable to work ,to start with odd days off that became worse til he was working 1/2 days out of the month ,he wouldnt claim benefits and when he realised he had no alternative he was told because he was self employed he couldnt get anything because of his stamp.

He began robbing peter to pay paul and ended up in a real financial mess,they are all credit cards totaling #15.000 not #12.000 like panorama reported,as stated most are sympathetic after a while and huge amounts of charges.

Thankyou all for your help

 

I would suggest that a request for the agreement is essential, since 1st Credit are now the owners of the debt, they are duty bound to supply it and if they cannot then let us know and we will fillet their donkey for them:D

 

Please dont view this as trying to get out of the debt either, people tend to take this view, but look at it logically, your dad would have been paying capital and interest, now i bet for every £50 he paid £30 of it would be interest

 

Now if the agreement comes back as defective, you will find that while he may have borrowed say £5K he will have repaid £15K so would be entitled to a remedy before the court, arguably it would end up in your dad being owed money if the agreement is indeed defective

 

 

as soon as you receive a response let us know

[pt2537]

Thankyou so much,do you think this will work? I really didnt want to let this go as i have a sneaky suspicion first credit will start to become nasty now the show has been aired! Its a shame Kilroy is in the jungle as he would have been my next port of call!

Also if i send of for a copy of his credit file and S.A.R - (Subject Access Request) surely they would have the info they need t be so vicious? And do i get him to print his name as it has been pointed out these companies have a history of forging signatures? Thankyou all for your help xx

Hi there

 

You have a legal right to be provided with a copy of the agreement, they have an obligation to show that they have a legal right to collect the debt

 

so i would say that you have nothing to lose, you are merely exercising a statutory right in asking for the agreement which they claim to be collecting under

 

Ask for the agreement, see what they say and then, and this is the fun part, let us know and we will help you fillet their donkey for them

 

I work in the legal profession and deal with this type of thing on a daily basis, the key to dealing with this type of entity is to remove the fear that they instil in you. once you have no fear of them then you can see them for what they are

 

WE have had a great deal of success with these DCAs on here, just have a look at the legal success forum

 

You will be ok as we will guide you through it step by step, you are not alone on the CAG

[pt2537]

Hi MM,

 

glad to see you back on the forum, Lloyds TSB are truly shocking if they are doing this ,

 

you would be best served in making a formal complaint to Eric Daniels in the first instance, he is their Chief Exec and from my own experience is very very helpful. i had a problem with them and one email to Mr D and it was sorted promptly and you have never hear the word Sorry used so many times

 

His email address is eric.daniels@lloydstsb.co.uk

 

i hope this helps