Ist Credit are sooooo funny!

[MONX]

I took them to court last year, I had a Statutory Demand set aside and was awarded costs...it cost them a hell of a lot more than I suspect they bought my "alledged" debt (which was statute barred) for.

 

This morning, out of the blue I got a letter from them, saying that they will discount the debt if I pay it in within seven days...and they were thoughtful enough to provide a phone number so that I could discuss their "generous" offer!

 

I now have two choices..I could go down the route of correspondence with the Reigate Rabble, perhaps get another bite at the cherry....or I could just give this peice of paper the attention it so oviously deserves and file it away in my round file!

 

What do you think lol?

[sillygirl1]

Go back to the court with this bit of paper - they are in serious breach of the Set Aside and should be hauled up against a judge... don't forget to complain to the OFT as well about the clear breach of court procedure.

[cerberusalert]

We all know DCAs tell fairy tales, maybe 1stCredit have been reading too much Brothers Grimm & now they think they are "The Golden Goose".

[MONX]

I am thinking of sending this to them via email:

Dear Sir/Madam/Threat monkey!.

I have recieved a letter from yourselves, you say that due to "times of economic hardship", out of the goodness of your heart you are "currently in a position to allow generous discounts" to your customers.

There are many reasons why the offer does not apply to me, here are a few of them:

1. I am not your customer.

2. I do not have an account with you.

3. You have provided no proof that there is an alledged debt.

4. You have not provided any evidence that I am the alleged debtor.

5. A Statutory Demand was set aside at Bradford County Court regarding this alleged debt in September of last year. I was also awarded costs as the Judge rightly saw the actions of yourselves and those of Connaught Collections as the missuse of the court system to aid debt recovery.

6. The alleged debt you refer to in your letter is unenforceable as it is in dispute, I sent a request for a CCA, with the payment required but have not recieved any acknowledgement of the request, despite being signed for on recorded delivery or an answer.

7. The Subject Access Request from Lloyds TSB confirmed that the debt is in fact Statute Barred

8. You have provided no proof that the debt was acknowledged, let alone within in six years since the alledged debt was incurred.

9. Under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

 

10. The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”.

I have listed just ten reasons why your generous discounts are not relevant to me, I have many many more but neither the time nor the desire to correspond with you further on this subject or any other.

If you have had any problems understanding any of the points I have made or any of the legal references I have included, I suggest you put down your crayons and ask your Mommy what it all means.

Should i recieve any further correspondence from yourselves or your partners in crime Connaught Collections, I will take you to court for harassment and the issue of unsolicited mail.

Yours sincerely

Monx

What do you think?

[Nottsdave]

what do I think, a masterpiece brilliant great work...................pls pls pls send it and let us see the reply .

Today is getting better by the hour

[Michael Browne]

You could remind them of Ferguson V British Gas.

 

Debt collection can be harassment, rules court ? Channel Register

 

 

Ferguson v British Gas Trading Ltd. [2009] EWCA Civ 46 (10 February 2009)

[sequenci]

You MUST complain to The OFT. Their license is hanging by a thread.

 

This is gold.

[babybear39]

I'm replying now that I've actually stopped laughing and picked myself up off the floor. Awsome letter

 

PLEASE say you're sending it too them, they've already read it on here anyway

[MONX]

The email is in their in-box and ive recieved an automated response!

 

Thank you for your email.

Your request is being processed and will be dealt with shortly.

Should you require further assistance please contact 1st Credit on 0870 164 2040

1st Credit Limited

Ummm I wonder if i should give them a call too....just so that they know that I aint gonna pay it?

[babybear39]

Go on, and ask for uncle bob just to rub it in his face

[babybear39]

PS. his contact details are on the CSA website which is in the public domain

[MONX]

Thanks for those links Michael Browne...will definately quote it should I hear anymore from the cretins!

Edited May 29, 2009 by MONX
sp

[ScarletPimpernel]

Great letter - you might like to run it through the spellchecker before sending...

[MONX]

Great letter - you might like to run it through the spellchecker before sending...

 

 

Lol yes I did...I was sooo angry when I was typing it! Im afraid spelling goes out of the window when im ranting!

[Blondmusic]

ROFLMFAO. That is a hell of an email. I don't blame you for sending it. They obviously take no notice of what a court has told them.

 

Report the monkeys and hopefully they will have their licence revoked.

[babybear39]

ROFLMFAO. That is a hell of an email. I don't blame you for sending it. They obviously take no notice of what a court has told them.

 

Report the monkeys and hopefully they will have their licence revoked.

 

As cheif 1st crud hater I'd say we're praying to each and every god and then some

[joemay]

What a great email can't wait for you to post up their reponse:D

[JonCris]

I would write

 

Dear Sir/Madam

 

I refer to your commnucation of (date) to which my response is for the avoidance of doubt NAFF ORF:D

[Mrs_Ryan]

This is absolute gold!!!

 

Consider ur scales well and truly tickled... *waits patiently for reply*

[Crapstone]

LMAO,

 

Won't they all make fantastic MPs' when they out of a job? Or should it be that MPs' will make fantastic debt collectors?

 

I'd attach a list of your administration fees as a contract and ask them to sign and return the copy before you are able to assist further, offering a deal of 0.1% off for a prompt reply due to the harsh economic climate on Venus.

[MONX]

I am sending the Oft Complaint today after work, had to dig out all my paperwork.

 

All I can say is thank the stars for CAG and CAGGERS. My life has changed dramatically since Ist Credit sent me a Statutory Demand.

 

I remember my first post, I was scared that people would judge me for having debt problems. Far from that I was welcomed with open arms and put at ease straight away. Caggers helped me through the process and we won.

 

I have transformed from a scared. ill and paranoid wreck into a woman who now has charge of her life and wouldnt let an unscrupulous DCA bully her into anything, in fact she now has a set of teeth and is not scared to bite back!

 

Can't thank you all enough or heap enough praise on you all.

 

Awww im getting all mushy now!!!!

[ODC]

No doubt you will get *** ******** standard LIE/Stock Reply* in response to your excellent email.

 

He will blame system errors and say that he is very sorrry and the monkeys are being retrained and ta very much from bringing it to his attention.

 

*Delete where applicable

 

 

Just report their sorry asses to the OFT

[MONX]

Not recieved a reply..do you think they got the message? lol

[babybear39]

Not recieved a reply..do you think they got the message? lol

 

I seriously doubt it, but we can hope