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First Credit Offering Gifts for payments, is this legal??

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We have had continued dealings with Moorcroft/First Credit, we have sent the CCA request and then the Account in dispute letter. They have acknowledged receipt of the letters, but continued to send letters asking for payments and threatening doorstep visits. I've ignored them all. I didn't think they could surprise me anymore with thier tricks but my golly that have!

 

We have now had a letter from First Credit telling us that if we.....

 

'Pay your debt in full by 30/11/09 and you will receive a FREE 42inch LCD HD READY TELEVISION'

 

'Pay £2500 off your debt by 30/11/09 and you will receive a FREE SONY PLAYSTATION 3 SLIM (120GB)

 

'Pay £1000 off your debt by 30/11/09 and you will receive a FREE VIDEO CAMERA IPOD NANO (8GB)

 

Needless to say I am ignoring the offers, but are they allowed to do this, especially since the account is in dispute and has been for a few months now?

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brilliant, can I get one of these letters please - :D

 

will these fools stoop any lower


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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I thought I had had all the letters under the sun! - that is pure class though!

 

I agree - my understanding is that all collection activities should stop whist the account is in despute.

 

Wouldnt be the first time a DCA makes the rules up as they go along though!

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Presumably the debt/amount paid has to be in excess of £2500? !!!!!!!!!!!!!!!!

and the price of a 42inch Telly is at the most expensive £1000?

 

Hm - hard choice:confused:


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Is this real? Unbelievable! "Kill an Argie and win a Metro" springs to mind!


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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I expect they realise it is cheaper than paying half the debt in an out of court settlement. Many people do not realise they can negotiate to getting something like two thirds knocked off the debt. 1st Credit are amazing people to be in debt to. What will they think of next?


If my post helped you feel better, click my scales.

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I think all of their favourite (or maybe just CAG) customers are fortunate enough to receive this offer.:rolleyes:

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We have had continued dealings with Moorcroft/First Credit, we have sent the CCA request and then the Account in dispute letter. They have acknowledged receipt of the letters, but continued to send letters asking for payments and threatening doorstep visits. I've ignored them all. I didn't think they could surprise me anymore with thier tricks but my golly that have!

 

We have now had a letter from First Credit telling us that if we.....

 

'Pay your debt in full by 30/11/09 and you will receive a FREE 42inch LCD HD READY TELEVISION'

 

'Pay £2500 off your debt by 30/11/09 and you will receive a FREE SONY PLAYSTATION 3 SLIM (120GB)

 

 

'Pay £1000 off your debt by 30/11/09 and you will receive a FREE VIDEO CAMERA IPOD NANO (8GB)

 

Needless to say I am ignoring the offers, but are they allowed to do this, especially since the account is in dispute and has been for a few months now?

 

Do you think they'd buy my argos one of 300 squid so i can get a new telly for crimbo :rolleyes:

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We have had continued dealings with Moorcroft/First Credit, we have sent the CCA request and then the Account in dispute letter. They have acknowledged receipt of the letters, but continued to send letters asking for payments and threatening doorstep visits. I've ignored them all. I didn't think they could surprise me anymore with thier tricks but my golly that have!

 

We have now had a letter from First Credit telling us that if we.....

 

'Pay your debt in full by 30/11/09 and you will receive a FREE 42inch LCD HD READY TELEVISION'

 

'Pay £2500 off your debt by 30/11/09 and you will receive a FREE SONY PLAYSTATION 3 SLIM (120GB)

 

'Pay £1000 off your debt by 30/11/09 and you will receive a FREE VIDEO CAMERA IPOD NANO (8GB)

 

Needless to say I am ignoring the offers, but are they allowed to do this, especially since the account is in dispute and has been for a few months now?

 

I expect they realise it is cheaper than paying half the debt in an out of court settlement. Many people do not realise they can negotiate to getting something like two thirds knocked off the debt. 1st Credit are amazing people to be in debt to. What will they think of next?

 

 

I thought I had seen everything that was possible from this shower. This just beggars belief.

 

The best offer I got from them was a 75% reduction on a Stat Barred Debt


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Christmas is such a special time:

 

 

Dear Worst Cretins

 

SPECIAL CHRISTMAS OFFER

 

Keep on acting non-compliantly, and get 6-months worth of OFT sanctions!

 

Do it some more, and lose your consumer credit licence!

 

Alternatively, why not start to keep to your legal and regulatory obligations, and win respect from CAGgers!

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To be honest, If I was offered an incentive like that by my creditors, I would attempt to pay them off first. Would be one debt down and a xmas pressie down too!

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To be honest, If I was offered an incentive like that by my creditors, I would attempt to pay them off first. Would be one debt down and a xmas pressie down too!

 

But given it's 1st Crudit, why bother? You probably wouldn't owe them anything anyway, or it would be statute-barred knowing them, so just spend the money yourself! No such thing as a free lunch. Or a free TV for that matter.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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probably all shop spoilt stuff anyway


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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... or even repossessed?!


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Methinks DW2009 may work in Reigate. Who else in their right mind would beleive such a piece of tosh from Worst Credit.

 

Simple fact is that if they had a watertight case against you they wouldnt hesitate to drag you tou court. Offering incentives like this smacks of sheer desperation.


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Now, if I wanted to be a troll, I'd pretend I was in debt and would constantly slag off the DCA industry. Best disguise there is.

 

(PS I have a normal face and nose, with no protruding lower canines nor big ears nor bulgy eyes. That's not me on the avatar, honest. Don't work in Reigate either!)

Edited by DonkeyB

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Now, if I wanted to be a troll, I'd pretend I was in debt and would constantly slag off the DCA industry. Best disguise there is.

 

(PS I have a normal face and nose, with no protruding lower canines nor big ears nor bulgy eyes. That's not me on the avatar, honest. Don't work in Reigate either!)

 

Dont forget to make a post telling people that they have a MORAL responsibilty to pay a debt:rolleyes:


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Beware of Greeks bearing gifts

 

Meaning

Don't trust your enemies.


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Beware of Greeks bearing gifts

 

Meaning

Don't trust your enemies.

 

You'll never get that past the PC Police these days, ODC!

 

Still waiting for a bite on the fishing line...


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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You'll never get that past the PC Police these days, ODC!

 

Still waiting for a bite on the fishing line...

 

I said Greeks not Crooks.


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Seems DW2009 has already done the old 'moral responsibility' argument already there, ODC - if you check through his previous posts.

 

I might be inclined to start 'moral responsibility' (whatever that's supposed to mean) once such companies start exercising LEGAL responsibility.

 

Until such a time comes, if they won't change their attitude - neither will I.

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You'll never get that past the PC Police these days, ODC!

 

Still waiting for a bite on the fishing line...

 

How could you be so cruel, you seem to have scared them off:eek::lol::lol:

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Out of interest at one low point in my life (about 20 years ago now I worked in Reigate... I know the old Omnibus Building as the Bus Garage!!!

 

This letter sounds really crazy, has anyone sent it to Trading Standards and the OFT, its on a par with these loan companies offering free DVD players if you take out a loan with them!

 

Cheapest 42" LCD tv at the moment is in Tescos....

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Out of interest at one low point in my life (about 20 years ago now I worked in Reigate... I know the old Omnibus Building as the Bus Garage!!!

 

This letter sounds really crazy, has anyone sent it to Trading Standards and the OFT, its on a par with these loan companies offering free DVD players if you take out a loan with them!

 

Cheapest 42" LCD tv at the moment is in Tescos....

 

At least Tescos will give you double clubcard points as well:lol:


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