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

[Bigdebtor]

If you report them to FOS it will cost them money to be investigated - and they can take no further action while FOS look into it. You just ring FOS on either 0300 123 9 123 (included in most mobile's inclusive minutes) or 0845 080 1800 (local call from BT lines) and they'll send you out a complaint form. They will possibly advise you which one you should complain about - if not - just ask for 3 forms and complain about them all!

 

Don't expect any real help from FOS - but they will muddy the waters and cause some hassle for the OC and DCA's in the meantime - which may soften them up a bit.

 

BTW I wrote to 1st credit to tell them NOT to ring me any more and that all further communication must to be in writing. They wrote back saying "please telephone this office as a matter of urgency in order that this matter can be discussed". I photocopied their letter and just wrote on it "see my previous letter of XX/XX/2010" and I have yet to hear further from them!

 

If they persist in insisting I ring them then it's off to FOS again for me. I think I am working up to an invite to this year's FOS staff party!

[UnmoderatetheNet]

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?

 

Fantastic!!!!!This reeks of desperation, how long now, how long now?

[Bigdebtor]

I have been waiting on a Goldfish cca since last September which I asked 1st Credit for. They wrote back a few weeks later to say they had asked Goldfish for this. Since then nothing except a single letter in December telling me that my repayment plan was in arrears and needed to be "brought into line" within 5 days. GOSH!! THANKS!! I hadn't realised this would happen when I stopped payments pending receipt of cca.

 

Since then nothing - so I guess they don't have a cca. In any case I am pretty sure the DN and TN were dodgy - issued only a day apart and no notice of assignment to 1st credit was sent by recorded delivery (a legal requirement).

 

Redjax - I agree they are desperate - have you checked your cca, DN, Tn or NoA to see if they all stack up - which is very unlikely!

 

Good luck!

 

BD

[Tartan Barty]

I had Muck Hall but worst crudit have now passed it onto Philips Specialist Bailiffs and this hasn't even been near a court room. Sent them a bog off letter with the 'if you come round here I'll call the police' and 'if you ring me there be trouble' parts. Now I get a letter saying if I don't pay then they will "issue this case to one of our debt recovery agents to attend your premises to execute further recovery procedures" What would those practices be? stern staring from the pavement, sitting in a car across the road watching through binoculars......I mean really who comes up with this BS???

[Bigdebtor]

I would phone FOS and see what they say - these practices are despicable (if not illegal?).

 

You could also ask their trade body for advice (now their response would be interesting!!!!).

 

BD

[redjax]

It's been quiet for a while but now Muck Hall have phoned twice today. I have toldf them to remove my number from their data base and they said they can ring me because my son lives with me. I am truly getting sick of this!

[Bigdebtor]

Send the telephone harassment letter to them. Refuse to go through security when they ring and they'll get fed up after a while. Tell them it's your phone line and you're not a message service for anyone including anyone else who may live there too.

 

If you don't need to use your phone just straight away after they ring then don't hang up at your end and that might leave the line open and screw them up from making other calls from that specific line for a while - depending on the technology at their switchboard.

 

Have you done anything about FOS yet? Even if it gets you nowhere (likely) it'll still cost the sods about £500 just to be reported to them and they'll need to respond to the points to be investigated by FOS.

 

BD

Edited May 13, 2010 by Bigdebtor
typos

[redjax]

Is there a template on this site for this letter?

[Bigdebtor]

I have seen something in the templates entitled - HARASSMENT WARNING.

Edited May 13, 2010 by Bigdebtor