Me & My Debts & Various CCA REquest

[monkquito]

1st credit and connaught

[cerberusalert]

Connaught is a subsidiary of 1st Credit, see; CCR Magazine - OFT imposes requirements on 1st Credit over debt collection practices

[monkquito]

Thus, should I continue my action against 1st Credit and assume that Connaught comes under their umbrella?

[cerberusalert]

Thus, should I continue my action against 1st Credit and assume that Connaught comes under their umbrella?

 

Yes, but make a complaint to Trading Standards & the OFT because they are in breach of OFT guidelines.

[monkquito]

Hi,

 

One of my lovelycollectors gace refused to answer a letter requesting information under the CCA act on 197, saying I should make the request directly to the client who they are working for.

 

Does the responsibility lie with them to answer the request or the client?

 

Many thanks in advance

 

M

[kurvaface]

Them.

 

If they don't comply, tell them to sling it. Did you submit it to them correctly with payment and proof of delivery?

[monkquito]

Just received a letter from a solicitor with regard to this debt, who are acting for connaughts who are acting for 1st Credit.

 

I'm getting a tad confused now!!

[monkquito]

Payment was sent and have proof of delivery.

 

Their letter claims to have returned the payment, but all i got was the letter!

[kurvaface]

Ring trading standards:

 

08454 040506

[alfwithhair]

Judge&Preistleyby any chance

[kurvaface]

The number for trading standards is:

 

08454 040506

[monkquito]

Spot on Alfwithhair.

 

Do I assume, when being persued fior debt, I can only be chased by one company or subsidary?

[postggj]

But Connaught And 1st Crud Are The Same Company

[alfwithhair]

1st credit use LCS solicitors, Connought use Judge & Preistely solicitors.

But as mentioned before 1st credit and connoughts are in cahoots with each other.

If they have failed to supply anything in responce to your CCA request them send 1st Credit, the 'account in dispute' letter

Then do nothing until such time as they do comply or the initiate court action.

Do make a complaint to TS and OFT about these clowns, they are already under investigation

I have got a letter that I sent to JP's somewhere regarding the exact same curcumstances. I see if I can find it and post it up in a bit.

 

Is this for a Barclaycard debt?

Edited December 17, 2009 by alfwithhair

[monkquito]

Hi,

 

Does anyone know of a letter template I can use when a collector has failed to reply to an account in dispute letter.

 

Regards in advance,

 

M:)

[alfwithhair]

there is no need for a follow up letter is you have send the account in dispute letter, it remains in dispute until such time as they rectify the dispute.

[alfwithhair]

edit this to suit

got shut of them for me

remember do not sign the letter, print name or use electronic signiture

Judge & Priestley Solicitors

Justin House

6 West Street

Bromley

Kent

BR1 1JN

ACCOUNT IN DISPUTE

Dear Sir/Madam

 

Your Ref: xxxxx

Your Client/s: 1st Credit Limited/Connaught Collections UK Ltd

I refer to your letter dated xxxxx, which was received today.

 

Frankly, I am surprised of the need to remind a firm of solicitors about the terms and conditions surrounding my Consumer Credit Agreement request (Consumer Credit Act, 1974); received by xxxx on xxxxx. I can only assume therefore that your client failed to inform you.

Should your client now persist with threats of legal action as stated in your letter, despite the matter being currently investigated by the OFT and Trading Standards, I will welcome the opportunity for a judge to look at several offences committed by 1st CREDIT LTD/Connaught Collections UK Ltd under The Consumer Credit Act, 1974, as well as your client’s non-compliance with and total disregard for the law on this occasion.

 

Yours faithfully,

[monkquito]

Hello,

 

Please could anyone point me in the direction of a letter template I could use for a debt collector chasing a loan debt, similiar to the CCA letter sent for credit card debts.

 

Many thanks in advance,

 

M

[dx100uk]

same thing!

 

give us more info

 

dx

[monkquito]

Hi

 

Can I use the "DCA / Creditor- demand for a specimen signature before complying with S77/78 CCA " on an unsecured loan debt?

 

Regards

 

M

[rory32]

Yes, you certainly can. I would only not use it if the loan was secured but with unsecured loans it's fine. What year is the loan from?

[monkquito]

On the 24th December a debt collector sent me a Final Demand, which was their first letter to me. They gave me until 31st December to pay but the letter reached me by 2nd Class post on 5th January. Debt Collector did not take bank holidays in to consideration.

 

Immediately I sent the debt collector a letter requesting the CCA etc, but today I have received a letter from their solicitor informing me, that they will be taking out a CCJ.

 

Have not had a chance yet to check when my letter was received but does anyone have any advice what steps to take now.

 

Many thanks in advance,

 

M

[Michael Browne]

And the solicitor is....Bryan Carter?

[monkquito]

'fraid not.

[foolishgirl]

Did you send a formal request for the CCA i.e. quoting S77/78 of the CCA1974 & providing a £1.00 fee? And did you send it by Rec Del so you could check if they had received it?

 

If so, they have 12+2 days to send it to you after which time they are in default & are not supposed to take any further action until the CCA request has been fulfilled. This doesn't mean they won't.

 

However no-one can obtain a CCJ against you without applying to the court & you may, in due course, receive a POC. You must acknowledge service of this & can defend it but it has to be done within a set time scale. Of course, it's possible that the sols. are just threatening you but that & the final demand letter giving you insufficient time to pay will be one of the points to mention in your defence

 

I suggest that you wait & see if an agreement is produced and/or a claim issued then post up in the appropriate forum for the debt you are defending eg. Barclays for Barclaycard etc. You will see the full listing here:

http://www.consumeractiongroup.co.uk/forum/#consumer-forums-center-bank