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    • own topic created  tnx the info. dx  
    • this debt: MBNA Bank of Scotland Card debt- LInk got a CCJ - now want payment review - MBNA - Consumer Action Group and a barclaycard loan - did you ever send the a CCA in all these years.....when was it taken out?    
    • Welcome to the Forum. The PCN must be subject to Bye laws as the warning near the bottom of the PCN does not comply with the protection of Freedoms Act 2012 Schedule 4 Under Section 9 [2][f[] of the Act it should say: (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver ,the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Their version states they are pursuing you as the driver [because of the Bye laws they cannot transfer the liability from the driver to the keeper] even though you are the keeper. Should it go to Court Judges do not accept that the driver and the keeper are the same person. Obviously on many occasions another member of the family may be driving instead of the keeper. Indeed anyone with a valid motor insurance policy is able to drive your car. if any of the three cars were not driven by the keeper they are not liable to pay the PCN only the driver is.  as long as they do not divulge who was driving those lovely people at Alliance haven't a hope of winning against them in Court. What a shame. However while those keepers who were not driving are in the clear all is not lost for the other keeper drivers. Alliance still have to prove who was driving which is difficult providing those keepers do not appeal.  It is quite often that on appeal the keeper may say "I entered the car park at....."  immediately giving away that they were the driver. Plus even if you appeal it won't be accepted as a] they lose £100 straight away and b] mostly all the major car parking companies are dishonest scrotes. In the meantime you will be on the receiving end of threatening letters from Alliance, unregulated debt collectors and fifth, sixth or even lower rated solicitors all trying to frighten the life out of you to cough up. They can all be safely ignored since if you don't contact any of them they don't know who was driving so have no information that the can use in Court to identify the driver. Some time in the future they may send you a Letter of Claim which must not be ignored. Just let us know and we will advise a suitable snotty letter to send them which will show that you are not afraid of them and are happy to turn up in court knowing that you will win. Sorry it was a bit long winded.  
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1st Credit to be absorbed by CONnaught?

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Just had a lovely lady on the phone from 1st Credits legal team (LCS) and during the call she informs me that I should change my Standing Order so that instead of making payments to 1st Credit, I should make payments to LCS who are now part of CONnaught.


Rats and sinking ships come to mind

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LCS are still shown on the CCL of 1st Credit (Finance) Ltd so if this is true perhaps the OFT should be told.

I think it's been mentioned elsewhere that Connaught's CCL expired on 18th March and their application for renewal is currently "pending."

Interesting times in the wacky world of 1st Credit.



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it most be up for sale All the hallmarks imho i believe that there was talk before


i believe that this is a clear tacit sell the business however leave all the assets somewhere else possible keep close eye on this could be a time to strike

if you are in the mood



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Buyout giants circle 1st Credit


By Mark Kleinman and David Litterick

Last Updated: 1:02AM GMT 27 Feb 2008

Blackstone and Permira are among a pack of private equity houses expected to consider bids for 1st Credit, a debt purchase and collection business likely to be sold for up to £350m.

The private equity businesses are hoping to cash in on the coming consumer downturn, which is expected to see millions of people default on debt repayments, giving a boost to businesses like 1st Credit.


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Bridgepoint, the investment firm which owns 1st Credit, will kickstart the sale process next month, according to people involved in the forthcoming auction.

1st Credit focuses on buying non-performing debt from lenders at a discount to face value and then collecting the money on its own behalf. It also offers an outsourced debt collection business to banks, credit card providers, utilities, telecoms firms, retailers and other lenders. It runs 3.2m customer accounts and has around £4bn of debts under management.

A sale would mean a massive return for Bridgepoint, which backed a £72m management buyout of 1st Credit in October 2004 from rivals Gresham. The business was set up in 2001 by entrepreneur Mike Cleary, who was previously BT's UK customer billing credit manager. He also established debt collection firm CCI, which he sold to Equifax in 1998.

1st Credit has enjoyed a significant rise in profits to £27m, while revenues stand at £76m on the back of strong organic growth and a number of acquisitions. The company bought EJI Collections in 2003 and Connaught Collections two years later at a time when it considered a possible stock market flotation. Its chairman is Kenneth Culley, the former chief executive of Portman Building Society.

In its most significant deal to date, in November last year it acquired a 35 per cent stake in Reintegra, the largest independent debt collector in Spain that is part owned by Santander Consumer Finance. Economic weakness in Spain has ensured the country offers a fast growing market for debt collection and the move is slated to be the first pillar in 1st Credit's international growth plans.

Its British business is also expected to perform well as increasing numbers of consumers fall behind on their debt payments due to the worsening economic outlook and higher bills. According to accounting firm KPMG, around 10m people could default on repayments for mortgages, personal loans or credit cards by the end of this year.

The sale process, due to begin on March 3, comes after a strategic review of the business carried out by Citigroup. Trade buyers that may be interested in submitting offers include Cattles and Provident Financial.



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Its British business is also expected to perform well as increasing numbers of consumers fall behind on their debt payments due to the worsening economic outlook and higher bills. According to accounting firm KPMG, around 10m people could default on repayments for mortgages, personal loans or credit cards by the end of this year.


If they are expecting such an upturn does this mean that Connaught will be more successful in turning up a valid CCA - I think not.:D


if connaught are as stupid as 1st crud,and I have no reason not believe this,then fun and games for all to look forward to


could we get them in the OFT firing line as well?? LOL forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifclose.gif OFT action against 1st Credit Follow this link to see the action which the OFT has taken against 1st Credit



I've already reported them for issuing an SD on behalf of 1st Credit!

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All information/advice given and views expressed are my own and not those of my Employer. I am not an 'expert' but do have experience of working within the car finance industry.

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It runs 3.2m customer accounts and has around £4bn of debts under management.


How much of this is enforceable?


Who'd be mad enough to stump up the asking price. Buying a turkey comes to mind i can see clearly why it's been sold

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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I am very honoured.

I receive letters from 1st credit, LCS, Conoughts and Judge & Preistley all for the same barcalycard debt, all at the same time.

Complain to one of them and their all on your back.


Just send one letter of complaint to Worst Credit, ask them to pass it on to the threat monkey at the LCS desk who in turn can pass it on to the other threat monkeys.


They are all the same shower who churn out the same garbage on different notepaper.:lol:

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Connaughts have been used in the past for issuing of stat demands and bankruptcy petitions on orders from their parent company 1st Credit....however now the OFT are on their case and their recent order states that all companies within the group must comply too, I can't see why they need to keep Connaught...!!

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I received a letter from connaught this morning confirming that I was to stop paying Worst and start paying them, however, in the vein of a pedantic debtor I then called Worst and requested a letter confirming this notice from them, rather than the new company.


Even when I pointed out that because they were a bunch of lying b@stards and that there was nothing to stop them later denying all knowledge of any transfer and beginning further enforcement actions for none payment.


I was met with a blank reply - either speak to connaught, or go away and do nothing (or words to that effect)

Contacted trading standards and the OFT - they seemed quite interested - Trading Standards called me back pretty much straight away and said they're going to take it up

Edited by spamheed
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