1stCredit threatening me with bankrupcy

[ladylilith]

I have an outstanding debt with northern rock which was defaulted in 2002 and i have never paid a penny to the account since. I am now received letters from 1st credit saying they have bought the dbt and they are demanding full and final payment or else they will make me bankrupt.

 

I have requested a credit agreement which they sent which was a copy of a copy that they had doctored and amended which is not right i think?

 

I have wrote back stating that i cannot accept the credit agreement as it is not a true copy and that if they dont send me the original in 21 days then the account should be closed.

 

Any advice would b gratefully appreciated.

 

Emma x

[Seminole]

Have you at any point in the past 6 years acknowledged this alleged debt in writing. You say that you haven't paid anything since 2002 but have you made any offers of payment in that time, asked for time to pay etc- remember that this would be in writing and not on the phone?

[mr.ton]

It sounds statute barred to me.

1st Crud are nothing to worry about about...report them to the OFT who will be keen to hear from you about them

[sam614]

just had their knuckles wrapped,yet still trying to CON on a statute barred:mad:

do as mr ton says..report em:D

SAM:pLOWELL DETESTER

[42man]

Send them letter 'M' from here -http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html if indeed it is statute barred......and also send their letter to the OFT, they are under close scrutiny by the OFT at the moment.....(send the letter recorded)

[ladylilith]

thanks guys (Hugs)

[lickthewallfatboy]

worst crudit still got both their brain cells stored in permafrost then?

[sam614]

wonder if they need a new "on hold song"

would suggest that wonderull classic of chubby brown,,im as thick as ....

most fitting

SAM:pLOWELL DETESTER

[JonCris]

NOT again! 1st Credit have been told by the OFT only a couple of weeks ago to stop threatening ordinary consumers with bankruptcy

 

Send a copy of their letter threatening bankruptcy to the OFT stating that you understand that 1st Credit have been warned by the OFT that they are supposed to stop using the threat of bankruptcy as a means of collecting consumer debt

 

Do not tell 1st Credit or they may think they have to take it forward to avoid the wrath of the OFT

[hackedoff1]

Echo...report them to OFT.OFT.OFT...

 

They should be closed down