1st Credit Issue

[zelig33]

Hi I have looked at some of the postings on here regarding issues with 1st Credit and wondered if anyone can help?

I had a call from them today but being naturally suspicious I never confirmed my identity so they said "fine we will send an agent to your premises" that got me a bit wary so I called them back and just confirmed my DOB - they then said they had been passed an old debt I had from QuickQuid an Internet Payday Loan company which I foolishly had a small loan with a few months ago - I think I owed around £240 and agreed with them to pay £80 per month for 3 months - errm I guess I missed 1 last payment!! and thought it would go away!! - so now they (1st Credit) say I owe £170 and asked me why I havent replied to their letters? - I never received anything from them nor anything from Quick Quid to say I was in default? 1st Credit have now said they will keep my "file" open for a week while I chase up said company Quick Quid - anyone know what plan of action I should take?

Many thanks All

 

Zelig

[zelig33]

Anyone??

[harrassed senior]

First bit of advice - NEVER speak to lst Crudit or any DCA on the telephone, and certainly NEVER 'phone them as they will now have your contact details and will almost certainly use them to try and hassle you into paying them over the telephone.

 

I am sure someone else will be along shortly to offer more helpful advice.

[zelig33]

First bit of advice - NEVER speak to lst Crudit or any DCA on the telephone, and certainly NEVER 'phone them as they will now have your contact details and will almost certainly use them to try and hassle you into paying them over the telephone.

 

I am sure someone else will be along shortly to offer more helpful advice.

 

 

Thanks good advice - although I had no idea who they were and what they were after until I called them?

[zelig33]

First bit of advice - NEVER speak to lst Crudit or any DCA on the telephone, and certainly NEVER 'phone them as they will now have your contact details and will almost certainly use them to try and hassle you into paying them over the telephone.

 

I am sure someone else will be along shortly to offer more helpful advice.

 

OK I will try and make my question a wee bit easier to answer as no one can seem to help?

 

I have contacted Quick Quid who inform me the £171.00 is for 2 missing payments which I fully accept - so how do I treat 1st Credit now - do I just pay? or try and arrange a payment plan? any help would be very much appreciated

 

Thanks

 

Zelig

[count orlok]

if you are admitting the debt write to them with an offer anclosing PO for said amount. Don't phone them with your DD details as that gives them carte blanche to take what they want, also phoning them unless you are very experienced at this sort of thing could lead to you paying more than you could afford.

[zelig33]

if you are admitting the debt write to them with an offer anclosing PO for said amount. Don't phone them with your DD details as that gives them carte blanche to take what they want, also phoning them unless you are very experienced at this sort of thing could lead to you paying more than you could afford.

 

Many thanks - one thing however - I am pretty much sure I cannot afford the full ammount £170 in one go - could I make an arrangement with these? - also they said on the phone that they had sent letters to me (which I never received)

 

zelig33

[MrMT]

zelig33, please treat their letters and what they say as posible fantasy. Do not admit anything nor give any personal details away.

 

As for paying your debt. You decide how much you can afford to pay them. If you can't afford the full amount, you might want to consider making an offer of Full & Final Settlement but please get advise on any intended cause of action.

 

Personally, I would send the Prove It letter to see if they have a right to collect. After all, they could be fraudsters for all you know.

[zelig33]

zelig33, please treat their letters and what they say as posible fantasy. Do not admit anything nor give any personal details away.

 

As for paying your debt. You decide how much you can afford to pay them. If you can't afford the full amount, you might want to consider making an offer of Full & Final Settlement but please get advise on any intended cause of action.

 

Personally, I would send the Prove It letter to see if they have a right to collect. After all, they could be fraudsters for all you know.

 

Good advice thanks - how do I go about this then...what forms do I need to fill out?

[PGH7447]

I would send qucikquid a sar to see where the extra amount came from and while you are waiting send 1st crud an account indispute letter

[MrMT]

I'm not the one to advise you really, just offering my own opinion. AFAIK, you can send off for a Copy of the Agreement they are claiming you signed. (Look in the templates section or search for CCA request). It will cost you £1 which is best sent as a postal order and don't sign the letter.

 

As above, you can send a Subject Access Request to the original creditor (again search or look in templates) which will cost £10 but can ask for everything they hold on the account.

 

And there's something called a CPR which I haven't looked into yet, again a search will reveal plenty.

[zelig33]

I'm not the one to advise you really, just offering my own opinion. AFAIK, you can send off for a Copy of the Agreement they are claiming you signed. (Look in the templates section or search for CCA request). It will cost you £1 which is best sent as a postal order and don't sign the letter.

 

As above, you can send a Subject Access Request to the original creditor (again search or look in templates) which will cost £10 but can ask for everything they hold on the account.

 

And there's something called a CPR which I haven't looked into yet, again a search will reveal plenty.

 

 

Thanks for the info - much appreciated - I have however just received a letter from 1st Credit stating amognst other things "we ask to contact the office so we can agree payment terms" and "we will comply with any request for a copy of personal info etc etc ......send your request with £10 for admin fee" -

Now I know that the £170 is for 2 missed payments of £85.50 so it looks like its the original outstanding debt and nothing further.

I want to pay it but wonder whats the best way of doing it as they have offere me loads of payment options?

Should I send my £10.00 for the info and then offer them 2 or 3 payments to clear now or just wait until they have acknowledged my request?

 

Thanks again

 

Zelig

[surprise]

Whatever you do not pay the £10 admin fee, sail in the wind for that, by all means pay what you owe and for the amount you owe. As First Credit threatened you by way of a visit, I would copy OFT in with your letter. As you are prepared to pay the amount outstanding, that is the amount that was confirmed to you by the original creditor, say you are prepared to offer £xx (even if its only a £1 they will have to accept) advise them the dates you will be making payment. Advise them that you will only deal with them in writing and under no circumstances will you accept any more calls from them.

 

Please ensure you copy OFT in as 1st Credit are under a warning and by doing this they may see that you mean business and will not be messed about with.

 

I wouldn't was £10 doing a SAR as you know the amount is owed, unless there are any unfair charges that have been added to the account.

 

The address for OFT is Enquiries and Reporting Centre, Fleetbank House, 2-6 Salisbury Square, London, EC4Y 8JX.

[zelig33]

Many thanks for your advice surprise I will get the ball rolling

 

Ta

 

Zelig