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Guest alderney1965dk

1st Credit *Help Please*

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Guest alderney1965dk

I have just set up a settlement offer with 1st Credit for £5.00 per month for a debt owed to CashEuronet UK around £140, although the settlement offer is recorded on my truecall system do they still have to send me confirmation in writing that it has been set up, I have set it up so I pay online on a monthly basis, they originally wanted me to set up a direct debit payment but I refuesed as I have heard a lot of horror stories regarding DCA's and Direct debits, I ask this as they said they were not obliged to do so, if this is correct I have lost my paper trail if I need it in the future.

 

Any help would be grateful, are they required to send me confirmation ? :(

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I have just set up a settlement offer with 1st Credit for £5.00 per month for a debt owed to CashEuronet UK around £140, although the settlement offer is recorded on my truecall system do they still have to send me confirmation in writing that it has been set up, I have set it up so I pay online on a monthly basis, they originally wanted me to set up a direct debit payment but I refuesed as I have heard a lot of horror stories regarding DCA's and Direct debits, I ask this as they said they were not obliged to do so, if this is correct I have lost my paper trail if I need it in the future.

 

Any help would be grateful, are they required to send me confirmation ? :(

 

You should always do everything in writing unless you can record what they say which you state you have done with the truecall system (lovely bit of kit isnt it :-D) So well done on that bit... Did you let them know you were recording.. just in case in future they attempt to change what they have agreed.

 

If you didnt advise them then it would be worth writing to them letting them know you have recorded their confirmation to agree £5 repayments and will keep the recording to protect both parties.

 

Just my opinion...

 

S.


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The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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I agree with shadow :)

 

You should always ALWAYS stay away from DD's for any payments. I use standing orders for all my payments as only I am in control of them.......I don't want any of these cretins having my bank details so handy.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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I agree with shadow :)

Cheers :-D

You should always ALWAYS stay away from DD's for any payments. I use standing orders for all my payments as only I am in control of them.......I don't want any of these cretins having my bank details so handy.

 

I've got so paranoid with the bank charges fiasco that I wont even set up standing orders, I use the online payments facility and directly transfer the money. I dont trust myself not to get overdrawn anymore :-(

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Subscribing...


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

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I dont trust myself not to get overdrawn anymore :-(

 

 

Luckily, my bank doesn't trust ME, so they won't let me have an overdraft ;)

 

Nothing wrong with online payments at all - it's just I would forget, so SO's are best for me.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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