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    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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There is a god, 1st Credit gets a SERIOUS slap from OFT - Re Stat Demands etc


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about time something happened re SD and this company. Maybe they wont feature on CAG much more.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I wonder how they are enjoying this thread as I know they do drop by from time to time.

 

Morning/Afternoon/Good evening, 1st Credit Minions, we hope you are enjoying the show ;)

We are certainly enjoying you official declawing.

Be VERY careful whose advice you listen too

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Have complained about Capquest 7 times!!!

 

To:

OFT

Financial Crimes Unit

Gareth Thomas

FSA

Consumer Direct

FOS

Several other MPs in Finance positions from all political parties

Have also asked parliament if Capquest have had any dealings with

MP's, Lords, Civil Servants etc of an "UNUSUAL " nature.

 

several other statutory bodies i have comlained to ..

 

complain complain complain!!!!!! we will get Capquest investigated and their licence revoked, keep recordings and all dealings on file dont throw anything away, your day will come soon when you will see Capquest on the deck

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it will be such a shame if they fail to follow the rules the OFT have put on them and they lose there rights to trade as it will be one less to feature on watchdog.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Terrific stuff, a crap day at work, and I come home and read this thread and the links in thread 1. I think I'll have a beer.

You only think you had a Crap Day. Imagine if you were *** *******

 

it will be such a shame if they fail to follow the rules the OFT have put on them and they lose there rights to trade as it will be one less to feature on watchdog.

 

That is why it is very important to keep making complaints about these wretched shylocks

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For facebook users 1st credit has a group on there. Today it was infiltrated by a couple of peeps who will remain nameless. :D

But they did post a link to the OFT findings, just so their call centre staff can see what their managers got slapped for. That's if they can understand it.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Presumable anyone getting a SD from these comedians in the next feww weeks/months can refer to the OFT action when they ask a judge to order the SD to be trashed and for costs to be awarded.

 

No mention of the OFT's announcement on the Credit Today website!

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Presumable anyone getting a SD from these comedians in the next feww weeks/months can refer to the OFT action when they ask a judge to order the SD to be trashed and for costs to be awarded.

 

No mention of the OFT's announcement on the Credit Today website!

 

Shocked. Shocked and stunned. Speechless.

 

Shocked, stunned and speechless...

 

Credit Today online

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Hope 1st Crud have put these dates in their diary:

17th August 2009

15th February 2010

16th August 2010

(Number 2 on the OFT's '1stcreditrequirements.pdf')

1st Credit Requirements, by the OFT. To think of it! :D

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Great find Ben, well done.

 

!!! Next on the list is Capquest.....
Too right 42man. At least 1st Credit have never been quite so stupid as to threaten me with an SD under The Insolvency Act 1986. Capquest have done it twice.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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They have terrified many.

I wonder how their Director, President of the CSA, will explain this to the 'CSA Brethren'?

 

err It was a system error. We will be looking at our staff training policy.

 

 

Its all the fault of those people on CAG for telling people their rights.

 

Ve ver only following ze orders

 

Management were totally unaware that staff were breaking the rules

 

First Credit are members of the CSA and behave in a professional manner abiding by the CSA Rules.

 

 

 

or of course they could just tell the truth.

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Marvellous news. My daughter has just read the thread title and commented that it is Karma - depends on your beliefs.

 

God bless us all:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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