united utilities debt and 1st Credit

[Hacked_Off]

Yesterday i recieved this:

 

Dear Sir/Madam

 

1st Credit Ltdisattempting tocontact the above named regarding a personal matter.

 

Your address has been suplied as apossible address for our subject who was previously resident at:- (previous address)

 

Please contact our offices immediatly on our telephone number 0870 164 20 56 and quote the above 1st credit reference number at which time further information can be provided.

 

if you are not the individual we are attempting to contact or have information that may assist please call us at your earliest convienience. on telephone number 0870 164 2056, in order that we may correct our records.

 

If no responce is recieved within ten days of issue we will assume that you are the individual we wish to contact and will of course ensure that all relevent correspondance is sent to you

 

Yours faithfully

 

1st credit ltd

 

 

Just wondering what i should do. I currently have i iva so im wondering if its one of those debts that has been sold on.

 

Ive read some awful stuff online about 1st credit and im panicing slightly. I am also on benefits so worrying if they want full payment i obviously cant do this.

 

Just wondering what my first course of action would be and wondering how the got my address in the first place.

[babybear39]

Send them the prove it letter from here:

 

Letter 18

 

The Consumer Forums - Debt collectors

 

Amend to suit, send recorded keeping a copy with your postal receipt, DO NOT sign print your name and wait for them to get back to you. If you need more help come back and ask. If not, let us know how you get on please.

[Hacked_Off]

thanks alot ill keep updating!!

 

which letter am i using?sorry to sound like a moron!!

 

oh sorry i got it lol my brain isnt working today

[babybear39]

Letter 18 and don't be sorry we all have to learn

[Hacked_Off]

so am i not supposed to put my name on the end but at the top?

[sam614]

put name at top

 

at bottom PRINT FULL NAME

do not use signature

 

SAM:pLOWELL DETESTER

[Hacked_Off]

is the signiture thing so they cant use it and falsify documents?

[sam614]

is the signiture thing so they cant use it and falsify documents?

 

yep,allegedly:D

 

SAM

[babybear39]

1st crud and very nasty is a huge understatement!

[mr.ton]

1st Crud are easily dealt with, if like me, you are not easily scared/offended & you enjoy taunting them

[Hacked_Off]

so the iva people have basically said theyve spoken to them and the debt has been added to my account. i am not at all happy with this. i havnt actually seen any proof the own the debt or if there even is one. They cant just send me a bill out the blue and expect me to go oh ok.

 

So should i get in touch with them myself with the prove it letter? should i tell the iva not to pay them and not to phone?

 

i wont be intimidated by these **** takers!!!

 

hmmm my brain hurts

[Hacked_Off]

anyone?

[Hacked_Off]

HAHAHA

 

1st credit are funny. I just turned on my old phone (which i never use, screens broke) they left me FIVE voicemails "phone now....Urgent....Refrence number"

 

I most certainly wont be doing this!!!

[Hacked_Off]

so ive had 1st knocking my door down this morning at 8am. i opened the door (dont know how they got in the building?!) they demanded to know who i was. i slammed the door in his face he then carred on knocking for over half an hour.. charming eh

[lickthewallfatboy]

so ive had 1st knocking my door down this morning at 8am. i opened the door (dont know how they got in the building?!) they demanded to know who i was. i slammed the door in his face he then carred on knocking for over half an hour.. charming eh

 

if he ever comes back,ring the police and tell them there's a kiddie fiddler trying to get into your house

[Hacked_Off]

haha never thought of that!!

[Enron]

Hi, if you have any further problems with DCAs such as 1st Credit this is invaluable:

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

You'll find that alot of DCAs will attempt to exploit a persons lack of knowledge as to their rights.

 

In respect of people turning up on your door, as the guidance outlines they are meant to arrange an appointment with you in advance of turning up - as such arriving an knocking on your door is a collector trying it on.

 

If they turn up say that you have no intention of speaking to them and have not arranged an appointment in accordance with the guidelines which they must follow. Any trouble the threat to them of phoning the police, or lodging a complaint with the OFT should work.

[Hacked_Off]

yeah ill tell em to bugger off next time!!!

 

Im really anoyed with halifax!! there still refusing to refund the charge and have left mewith £20 to live on for a fortnight and next time i get paid ill have to pay double for my bills leaving me skint again!!!!

[Hacked_Off]

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/210196-1st-credit-6.html

 

[Alphageek]

Have you requested a copy of the CCA from CapOne at any time?

 

If you have not, then ask Freds for a copy.

[dx100uk]

std rubbish.

 

as suggested CCA these jokers

 

how old is the debt & when was the last fin transaction?

 

dx

[havinastella]

Rather than CCA them, are there any charges you could reclaim on this account. Reclaiming the charges makes the debt go away as asking for the CCA just goes round in circles for years.

 

 

JOgs

[Hacked_Off]

im sure there are charges yes. Ihave been paying them for roughly two years on a dmp and the debt has gone up rather than down. i have told the dmp people to close the account. i sent cap 1 a letter offering £5 a mont, which was a bit more than i the dmp were paying them. They ignored the first one then after i sent it again hey sent me this:

 

 

 

This seems odd seeing as i was offering them money!! so i sent them the your not getting a sig letter!! then i recieved the dc leter. i get the impression they were planning to sell it on anyway and wanted a sig:mad:

Also i havnt sent them a cca yet. someone else told me to tak them to court:confused: o also i sent fred a CPR31 request which has been ignored.

 

thanks for the comments:)

Edited September 3, 2009 by Hacked_Off

[r&b]

hi zara,

what CPR did u send 31.16? what did u ask for? have u followed up with a reminder?

as the guys have said a CCA rqst is prob worth doing its only £1 plus recd del.

also as jogs points out finding where u are on charges is essential so if u dont have the statements urself it might be worth a SAR to the original creditors regstd address with £10 if possible. this will provide the statements required and cud also throw up other misdemeanours on their part.

DX asked when this debt, presumably a cred card was taken out as well?

[Hacked_Off]

yeah it was 31.16. i think:

 

I write with regards to the above account with your organisation.

 

I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as i have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed. Additionally I require the underwriting sheet or other document showing any commissions paid to you by the broker or by you to the broker. I also believe I was mis-sold ppi.

 

obviously if the agreement is improperly executed i would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement.

 

I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedure Rules ( Pre action protocols and Part 31.16) and therefore unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances

 

Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document.

 

I do not view this as an unreasonable request given that by supplying the document which i have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides

 

I look forward to your reply and would ask for a response by 4pm on 21/09/2009

 

 

Regards

 

I havnt sent them a reminder (?) i have a cca waiting to post out on monday (pay day ) i ased the dmp company for all the statements which should have been sent to them. which they havnt supplied so i think maybe i wil sar them or should i just sar cap 1? yeah its a credit card as far as i can remeber it was around feb 2007 i took it out.