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    • and it will be also now written off under age related criteria anyway.
    • @dx100ukThanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

1st Credit - (1st Credit Audit Team)


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Hi All,

I have been reading these threads and glad I have found this site, hopefully someone will be able to help me out. Here goes my storey.

 

I have received a letter from first credit which was given to from the person living at my old address as this had been sent to the wrong address however addressed to me.

 

This letter advises me that I owe a sum of money (large amount) with the creditor being 1st credit. I have never entered into any credit agreement with 1st credit. I understand this may be a debt that has been bought by 1st credit as the amount owing is similar to a loan company that I owed money to from approx 2005.

 

This letter kindly advises me that they are unaware of any legally valid reason for non payment or of a reasonable offer being made. As this is the 1st letter I have received from them no wonder I haven’t been in contact with them as didn’t know this was there, I’m assuming they have been sending letters to the wrong address in the past. It goes onto to say they are considering whether they should issue a statutory demand. Then kindly goes onto to inform me the implications of bankruptcy.

 

Please can you offer some advice on the best way forward to deal with this issue? - So far I haven’t had any contact with this company as haven’t received any correspondence to my address which I have lived in for over 4 years.

 

Thanks

Edited by outerspace79
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I personally would advise the person living at your address to return any mail rec'd or if they give it you just write on it not at this address and put back in the mail

 

Let them work for their pittance

 

Ida x

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The weird thing is that the debt from the loan company was registered at my new address so i dont understand why when 1st credit get involved they start sending it to my previous address, i understand this address would have been on the application however they should have the correct address.

 

The other issue is the old address is currently isnt owned by anyone as this has been left in a will however they may be split 3 ways and i could end up with a share - however dont want to sign anything for the property as 1st credit may find this out? How would this impact the situation?

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Lets not get ahead of ourselves.

 

How long is it since you have 'acknowledged' this alleged debt. You say that you have heard nothing for at least 4 years, and a debt becomes Statute Barred after 6 years of no contact/ payments between you and the original creditor and or their nominees.

 

An SD can be easily set aside if they go down that route, and a charge on your possible portion of the house you mention is way in the future, if at all.

 

As suggested, I would ask the current tenant or whoever passed on this one letter, to mark not known at this address and return the mail whence it came.

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Hi, Thanks for the reply - The loan was originally taken out at the start of 2005

- i had issues and contacted them at the start of 2006 which they refused my offered payment and told me they were going to sell my debt on (Nice considering they have went bust now) - There hasnt been any payments made since 2006 as have been waiting for the next company to contact me.

 

I havent received anything to my new address which i have lived at for 4 years however it appears 1st credit have decided to send it to an old address? This letter has them as the creditor and not the original loan company so wasnt sure what that was about either?

 

Does anyone else have any suggestions or is it a case of just returning the post? I spoke to the national debtline and they advised to write them a letter advising they are contacting the wrong address and then gave a list of options.

 

1. Ignore them and hope they dont do anything (Risky they said)

2. Send an offer of payment

3. CCA Them?

 

I'm not sure of the best way forward - As surely if i just send the letters back they will just bankrupt me? This isnt what i want

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Hi Outerspace :)

1st Crudit (how the h**l are they still in business?) are one of the meanest DCAs around. They introduce themselves with threats of bankruptcy, because they like to scare and intimidate. However, they have frequently gone further with their threats - it gets them into shedloads of trouble and yet somehow they still crawl out of the gutter to damage yet more people.

They have 'traced' you with inaccurate information.

Either you avoid standing up to them, or you take a stand and snarl right back.

IMO, I'd send them a CCA request.

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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Cheers - Sounds the plan as i gather they arent going to disappear. So the plan i guess is to send them a letter advising them that i have received their letter that has been handed to me however this has been sent to the wrong address and then advise them of the new address to send any correspondence.

 

Within this letter ask them to provide proof of the CCA agreement. (Does anyone have a template that i can send please?)

 

Also does anyone know if 1st credit buy debt as on this letter it states that they are the creditor however i have never taken credit from these?

 

And can i send a letter recorded delivery to a P.O Box as this is the only address i have for them.

 

All help appreicated as going to get this ball rolling........... I guess this is only the start

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They havent even bothered with a CCJ - They are just saying that they are considering to make me bankrupt. I dont understand why they would take a debt on then bankrupt me??

 

Anyway can anyone help with these q's below in red please?

 

Within this letter ask them to provide proof of the CCA agreement. (Does anyone have a template that i can send please?)

does anyone know if 1st credit buy debt as on this letter it states that they are the creditor however i have never taken credit from these?

And can i send a letter recorded delivery to a P.O Box as this is the only address i have for them?

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And can i send a letter recorded delivery to a P.O Box as this is the only address i have for them?

 

Recorded delivery - yes, Special Delivery - no.

 

1st Credit's correct address:

 

1st Credit

The Omnibus Building

Lesbourne Road

REIGATE

RH2 7LD

 

 

Although on their letters they list the postcode as being RH2 7JP which Royal Mail says is incorrect. Shows how good they are :D

The advice I give in relation to benefits should be viewed as general advice and not specific to your individual claim circumstances. I cannot give specific advice on your claim as I cannot access the claim.

 

If you find the advice useful please click on my scales.

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Excellent will be sending this letter ASAP, along with a paragraph added advising them that they are writing to the wrong address with new details added. Will update this thread once i hear the next bit

 

Does anyone know if 1st credit actually buy the full debt as on their letters they say they are the creditor whereby on threads i have been looking at they nomally say re your agreement with.....

 

Thanks

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If on their letter they say they are the creditor then they probably bought the debt.

Why do they threaten bankruptcy? Because they're thugs in suits. Maybe it gives them a thrill to scare people to death, maybe they're such a bunch of inadequates they enjoy the feeling of control it gives them.

 

I think you need to make a photocopy of the letter and send it to the OFT etc.

But send that CCA request, make sure it's recorded and never, never be tempted to talk to them on the phone. :) xx

 

PS Outerspace, read this. It's the HTML version of the document issued by the OFT re. 1st InCrediblyBad. The PDF document can be downloaded at the top of the page:

1stCreditRequirements

PPS Note the date of the document.

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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Thanks guys i will be sending a complaint to the OFT as not contacting the correct address and then saying they were going to bankrupt me is a joke...

 

Anyway i've sent CCA request off and received a reply to the correct address. They are now having to request the doc off their client which is strange as the previous letter they were saying they were the creditor hence the CCA request. Think they need to make their mind up. What is the turn around time for them sending the CCA or will it be upto the client to send it as i'm guessing they have to contact the company and then will they send it to first credit then me or will it be sent striaght to me?

 

Oh and also how can they write to me and say they are the creditor when it appears they arent and probs havent bought the debt....

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Turnaround is 12 + 2 working days. After this time you can send the 'account in dispute' letter. If and until you receive a valid CCA and all other documents requested, there should be no further contact pushing for any kind of settlement, neither can they pass the alleged debt onto any Solicitors (theirs or not) or any other DCA.

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  • 2 weeks later...

Just a quick one. I beleive the turn around time is 12+2 for a CCA request. So i'm guessing from the date i sent my letter 24th March i will have to wait until Friday 10th April before sending them a chase up letter?

 

I have received a letter from them to my correct address now advising of the request. A couple of things:

 

1st - How can they send me a letter advising they are the creditor then when i ask for the CCA the letter now states that the original company is the creditor? (Strange) and they have requested a copy to be sent.

 

2nd - Does anyone have a letter that i can send on Friday as quite keen to have this ready to send via recorded delivery 1st thing on Friday if i dont get it as sick of them hounding me.

 

Any help is appreciated :0)

 

 

Can anyone help with the above q's please?

Edited by outerspace79
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Unfortunately 1stCredit do buy lots of debts for pennies then hound their victims with threats. They seem to use the same generic template letters to cover both purchased debts and assigned debts. Probably because they can't trust their threat centre staff to press the right buttons.

 

It took them 9 months to come up with an unenforceable application form which doesn't even say what I'm applying for ,to my CCA request. As well as a letter full of jargon telling me they'll seek enforcement if I don't make payments.

 

I'd sit back now and wait for them to come up with your agreement, these matters don't resolve quickly. The longer you wait the nearer to getting SB it becomes. Meantime if they keep contacting you while you're waiting , don't forget to complain to TS and OFT. It makes a difference and they're already on the naughty stool with OFT:-D.

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Hi All,

 

Just need some guidance as the the next steps. I have CCA'd 1st credit and recevied a reply back the next day saying they are getting agreement from client.

 

The 12+2 days are now up - Do i just sit back as suggested by verywary or do i need to send any sort of letter advising them they havent fulfilled my request?

 

Any help appreciated

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  • 2 weeks later...

Hi All,

 

Some help or further advice needed. I have received within the 12+2 days the CCA for my debt. I have found my original copy that i have and the copy sent to me is excatly the same and the correct agreement.

 

Is there anything further i can do or is it time to make an offer to this company as they have provided what i have requested or is there anything else i can do?

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