Aktiv Kapital/first Nat-ge Capital Bank?

[lofatmat]

just got a letter from 1st cred saying i could settle early they will take a chunk off the price still i have not received copy of the agreement from tsb... what can be going on? What will happen if i stop payment till they produce the agreement HELP Steve

[lofatmat]

Steven tsb have said the loan finished June 2008 and that they OUT-SOURCED the loan to give me better interest rate! Another word for selling debt on? Now i am just off the phone and been put through to their debt recovery i was told by them that the debt had been passed on to 1st credit so i am not the wiser because the debt recovery is a part of tsb but 1st credit are not! i told her if i do not see the requested document agreement then i shall stop paying till i do! Help what should and can i do steven?

[steven4064]

Make them prove that you owe the money to them; that you owe the money to them;and that you owe the money to them

[lofatmat]

do i stop payment then request

[lofatmat]

agreement from 1st credit

[lofatmat]

right i have just phoned 1st credit and told them i am stopping any standing order going into my tsb account till i receive a copy of my agreement for which i have paid £10 to tsb on the 10/07/09! It is now 26/08/09 they have had sufficient time i think?

 

also received stalling letters from both rbs and tsb regarding ppi on cards as of today i am going to put max effort to get my money back from late fees FIRST NATIONAL/SANTANDER aswell as STYLE FINANCE/rbs and LLOYDS TSB/1ST CREDIT(LOAN?)and CREDIT CARD/TSB and all ppi/charges including late fees

 

Steven no doubt i will need your help and advice am i taking the right step to stop payments?

[steven4064]

You should only stop payments if they are clearly in default of a request made under ss77 or 78 of the CCA 1974.

[lofatmat]

well should i send a request to 1st credit for the agreement with pound postal order Steven?

[steven4064]

If you have not done so, then yes

[MARTIN3030]

Tis amazing-but at least you should now be a little closer to who actually owns the account.

I would request a copy of their complaints procedure too-they are obliged to send it to you.

[lofatmat]

Just off the phone to lloyds tsb in london who said that the loan has been passed over to 1st credit as they have a too many accounts to deal with (can they do this?). Also that after my threat to stop paying 1st credit have requested my agreement YESTERDAY yet i sent £10 postal order last month and was told in a letter from 1st credit dated 16/07/09 that it was passed on to the appropriate department which i have now discovered this was not the case and that it was confirmed by lloyds tsb that yesterday was the only time they have been contacted on this matter!

Steven do i continue to pay or stop till they have produced the documents in another 3 weeks or so and secondly do i ask for my postal order back which seems to have disappeared?

[lofatmat]

part two

 

would also like to ask advice about the jd sports card that was with rbs who made an offer of about £7 for only two out of the twelve or so ranged 12 to £15 late charges do i pursue all the charges they took?

They quoted oft mentioned about £12 which is still well over the top what do i do

[lofatmat]

this is a letter dated 4th aug 09

 

1st cred ref

 

thank you for your letter dated 10/07/09

 

pursuant to your request i can confirm we have contacted lloyds tsb for a copy of your agreement. on receipt of said document a copy shall be forwarded to you.

 

i note you have recently had a conversation with our offices with regards to ppi. i would advise that 1st credit purchases the debt only and none of the accompanying polocies. should you require this information we would refer you to the relevant insurance company. we shall contact you further once additional information is available

 

yours sincerely

 

..........

 

as said earlier i sent a tenner and 1st credit responded with this letter.... now i also said i contacted tsb who claimed 1st credit had not contacted them as this letter sugested.. however when i threatened to stop paying into the account 1st cred contacted tsb for a copy...

why did they lie?

where did postal order go?

how do i get tsb and 1st cred to clarify who owns the alleged debt?

Do i stop paying as threatened till i see agreement?

Does this letter suggest 1st cred have bought the debt?

Can debt be wiped off as adverts are saying?

what do i do?

please help!

[citizenB]

With reference to your postal order. You can telephone 01246 542091. They will tell you when the po was cashed. If it was made out to a company and crossed then it can only have been paid through the named recipients bank account.

 

Ask to have a letter of confirmation that the postal order was cashed and on what date. They wont of course provide you with bank details.

[IdaInFife]

can you confirm?

 

did you send a cca request or sar?

 

ida x

[lofatmat]

I sent for a copy of agreement here is their reply got today

 

Dear Mr Mcgill

Re: copy agreement/contract

Ref

We attatch anedited copy of the signed agreement in respect of the above account and would ask for your comments

 

a) if you confirm that this is your signature we will of course send you a complete copy of the relevant doument. We would also invite your proposals for settling this outstanding debt.

 

b) if this is not your signature we would ask you to provide our office with a copy of your signature from an official document, (such as a driving license/passport), to substantiate your claim. Please be assured that the matter will be investigated immediately, this is not required but of course will assist us in resolving this matter

 

c) where an address is detailed that you do not reside in we would ask you to comment on whether you ever resided at the address and, so, the period of your occupation.

 

d) if we beleive that a fraud has taken place against you we will advise you. In these circumstances we would recommend that the matter is reported to the local police and 1st credit ltd will of course co-operate fully to ensure the matter is thoroughly investigated.

 

thank you for your assistance in this matter

yours sincerely

1st credit

 

----------------------------------

 

I HAVE BEEN SENT AN EDITED COPY OF AN AGREEMENT ALSO

a pay by direct debit form dated 4/4/05 (not in my writing) with account number/sort code and bank building society acc no. blacked out

 

why an edited version even after i sent £10 fee and why blacked out? Why is date squeezed in not in my handwriting lastly why all these a,b,c and d questions?

 

URGENT HELP REQUIRED NOW! PLEASE !

[lofatmat]

forget the date must have been put in by someone else easily see its not my writing though! Then again wonder if that nullifies the agreement?

[lofatmat]

can anyone help