me & the OH's debt

[lickthewallfatboy]

anyone?

 

or are they a bunch of wafflers???

[lickthewallfatboy]

it would appear they aren't very good after all.....

 

not saying any more!!

[lickthewallfatboy]

what is that all about?

 

Is it,as suspected,a "wriggle out of their responsibility" tactic?

 

any help appreciated!

[Tartan Barty]

This is what they said to me. When pushed they sent out a letter from the OC which was suspect, and then a welcome letter from them 2.5 years after they took over the account. Just keep sending them this

 

Thank you for your recent letter, dated XX/XX/XX, the contents of which has been noted.

On XX/XX/XX, I sent a Consumer Credit Act 1974 s77-79 request for a true copy of my credit agreement, with the prescribed payment, a current and fully up-to date statement for this account and a signed true copy of the deed of assignment.

You have still failed to comply with my request; therefore you have not discharged your obligations under the CCA request.

The Consumer Credit Act 1974 is very clear what your obligations are with regard to the above request and failure to comply with this, results in the account being in dispute.

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

Failure to supply the required documentation requested is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

 

I have, and will continue to report your actions to any such regulatory authorities as I see fit.

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

Yours Faithfully,

 

Edit to suit, and send it to them after everything they send to you....annoys the hell out of them. If they ring refuse to answer the security questions and then when they ask why tell them that they have failed to comply with your CCA request. You can almost guarrentee that they will breach the DPA and start telling you how they have complied. So predictable.....t****rs

[palomino]

"Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS."

 

... sounds better if you say

 

"Consequentially any legal action you pursue is both UNLAWFUL and VEXATIOUS."

 

No question of interpretation then

[dpick]

They can quote the LOP 1925 as much as they like but CCA 1974 overides that.

 

dpick:)

[42man]

1st Credit have been sending out suspect letters recently, with a photocopied header from the banks...(which I suspect the banks do not know about !!!) Copyright infringement, I suspect this could almost verge on fraud....I will be writing to the Chief Exec of RBS/ Natwest to ask them if these letters are 'GENUINE' I suggest others try too.....When I SAR'd 1st Credit last year they provided 2 pages of computer print out, NONE of these suspect letters they sent me last year despite them being dated 4 years earlier !!!! this is fraud...

[Tartan Barty]

I'm with you there 42man.....TS are looking into the very same thing except mine weren't post dated and the person who supposedly signed the letter has been on maternity leave for 9 months!!!!

[lickthewallfatboy]

cheers you guys!!

[babybear39]

1st credit committing fraud (allegedly)

 

Who would have thought it...

 

ROFPMSL

[FANTASY CHARGES]

interesting this thread turned up today because by chance discovered the following about 1st credit today

 

quote "

1st Credit Limited

1st Credit is one of the leading Debt Collection companies in Europe specialising in all areas of collection including Debt Purchase. Since its formation in 2001, 1st Credit has managed over £3bn of Face Value for both its own account and that of third Parties and had spent over £300m purchasing non performing debt for its own account with a Face Value of over £2.5bn."

 

now in our world 300 million divided by £2.5 billion means (unless the "pork pie" department is operational)l" they paid 12 % of face value ???????

 

Credit Today online

 

 

ps ther website is one-dimensional !!!

 

1st Credit

Edited June 13, 2008 by FANTASY CHARGES
updated POOR MATHS CORRECTED!!!

[babybear39]

Their website is hilarious and just goes to show what a bit of spin makes the directors and such feel more comfortable about their allegedly horrendous collection methods

[palomino]

interesting this thread turned up today because by chance discovered the following about 1st credit today

 

quote "

1st Credit Limited

1st Credit is one of the leading Debt Collection companies in Europe specialising in all areas of collection including Debt Purchase. Since its formation in 2001, 1st Credit has managed over £3bn of Face Value for both its own account and that of third Parties and had spent over £300m purchasing non performing debt for its own account with a Face Value of over £2.5bn."

 

now in our world 300 million divided by £2.5 billion means (unless the "pork pie" department is operational)l" they paid 1.2% of face value ???????

 

 

I think you've moved the decimal point a shade too far...

It is (roughly) 12%

[FANTASY CHARGES]

www.bladonmore.com/downloads/thepoint7.pdf

 

MORE INFO ON WHO REALLY OWNS IST CREDIT HERE

 

 

and their seem to be a lot of mortgage charges here

 

https://secure.creditgate.com/search/search.aspx?AP=Full%20Non-Limited&CompanyID=03752940&CompanyType=L&BS=1&BT=Full%20Data

[lickthewallfatboy]

Some of you may have noticed this before,but I have just realised this myself.

 

take a look at the logo on any communication you get from these "people",and then compare it to VIKING the office supplies people.

 

They do indeed appear one and the same.......

 

 

hurt them where it counts.....in the pocket.IF they are related and want to be involved in the murky world of the debt collector,then they can't expect to have a thriving business as well!

 

Worth looking into

Edited August 4, 2008 by lickthewallfatboy

[Guest Old_andrew2018]

viking Direct are a part of the office depot group, I see no link to vking collection servcies.

[lickthewallfatboy]

you may very well be right,but they are directly copying the letterheads from them......

[Guest Old_andrew2018]

why not write, and ask them that question, may be an employee of Viking Direct uses this forum they could provide you with an answer.

Edited August 5, 2008 by old_andrew2007
typo

[lickthewallfatboy]

a certain bank was SAR'd by myself,and all they sent me were statements,despite being asked for any internal communications between branch and HQ concerning the account

 

They have told me on the phone that I am not entitled to these,but I think they are prevaricating because these memos and comms may well contain damaging contents which would leave them in a tight spot (this is not a bank charges case)

 

am I entitled to get hold of everything from them with my name on it?

[yourbank]

Information Commissioners Office say this:

 

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/subject_access_-_guide_for_data_subjects.pdf

[lickthewallfatboy]

thanks for the link,but it's a bit of a grey area.....if any data directly pertains to me and no-one else,I should surely be entitled to receive it?

 

I am composing a letter to them,and I want to be sure of where I stand exactly

[kennythecelt]

Hi LTWFB

 

I hardly ever saw anyone get what they were entitled to inc myself on several different accounts.

 

You may well need to go down the road of complaining to the Information Commissioner after the 40 day period. Banks do not have high regard and give as little away as possible.

 

Its obviously something specific you want- do you have anything from them that refers to it, which you could give to the commissioner?

[yourbank]

I think it depends on what you think the bank have not given to you. I think you need to ask them for what you think they have and to ask them to confirm in writing when they destroyed the said details. If you still do not believe their story then go to the ICO with the relevant evidence to receive that information.

[lickthewallfatboy]

Hi Kenny

 

I had to go to the ICO to get them to comply at all!!I applied in MArch and got the statements last saturday,but the accompanying letter does not refer to the other data

 

I strongly suspect that if they send me what I want,I will have them by the you know whats.....

[kennythecelt]

If your last point of contact was the Information Commissioner, deal with them, not the bank. They are the ones with the power to investigate.

 

Let them know what you think it is they have- as yourbank said. Supply any possible proof if possible. Can you demonstrate to them how the banks action have impacted on you? That may well help.

 

MacBoy had success in retrieving a lot of data from the Halifax- think he is still sifting through it.

 

I'll keep an eye out on this thread.