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?

[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?

[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?

[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

[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!

[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!!!!

[MONX]

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