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I've never heard of this bunch - have you?


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Got a letter just now in the name of the previous tennant. I know I shouldn't open them but when I see 'Reigate' I just can't help myself.

 

They are 'Debt Help Services' who are really 1st Crud.

 

The opening line made me laugh so hard I thought I'd share. :D

 

DEBT HELP SERVICES - A SPECIALIST COLLECTIONS UNIT OF 1ST CREDIT

 

Now, is it just me or isn't that dead funny! Specialists who only are 'helping' after all!!

 

They also want him (it is obviously a him) 'to engage in communication with you in relation to understanding your wishes for repayment of the debt'

 

How very kind of them to assert he does owe it (he might) these people must think other people are stupid. Their clever use of words is pathetic....we all know they mean cough up, we want your cash if you owe it or not.

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dont forget to put on the back ( the play on words ) "CHECK ENCLOSED" their greed will surpass their understanding of english :D

NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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If your not the person there looking for it's important that you tell them otherwise these cretins will continue to chase you possibly even trying to obtain a CCJ So the sooner they know your not the person there looking for the better

 

Incidentally I'm not suggesting you give them information about the person they ARE looking for let 'em stew

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I thought 1st Crudit already had a specialist collections unit called Connaught... maybe next we'll find out that Connaught has a specialist collections unit called 1st Crudit!

 

How they flatter (and propagate) to deceive.

“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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They wear many hats. :rolleyes:

 

agenview-by_acme.jpg

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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personally i would bin it now that you have opened it- and not acknowledge that you have opened and read it

 

if it was addressed to someone other than yourself- even if they no longer live there- you commit an offence opening the letter

 

it should have been put back in a postbox marked "unknown at this address" or given back to the postman

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quote, > you commit an offence opening the letter

 

its a myth

 

actually you dont commit an offence if it deliver to your house , e.g, through your letterbox , it has been delivered , unlike opening a letter in transit, infact you have every right because of identity theft etc to check the contents, and you can still return it UNKNOWN AT THIS ADDRESS,

NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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quote, > you commit an offence opening the letter

 

its a myth

 

actually you dont commit an offence if it deliver to your house , e.g, through your letterbox , it has been delivered , unlike opening a letter in transit, infact you have every right because of identity theft etc to check the contents, and you can still return it UNKNOWN AT THIS ADDRESS,

 

Post Office Act 1953

Criminal diversion of letters from addressee

 

(1)If any [F1person not engaged in the business of the Post Office] wilfully and maliciously, with intent to injure any other person, either opens or causes to be opened any postal packet which ought to have been delivered to that other person, or does any act or thing whereby the due delivery of the packet to that other person is prevented or impeded, he shall be [F2liable on summary conviction to a fine not exceeding level 4 on the standard scale or to imprisonment for a term not exceeding six months or to both]

(2)Nothing in this section shall apply to a person who does any act to which this section applies where he is parent, or in the position of parent or guardian, of the person to whom the postal packet is addressed.

 

There we are, it seems it's only a crime if you are doing it maliciously!

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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personally i would bin it now that you have opened it- and not acknowledge that you have opened and read it

 

if it was addressed to someone other than yourself- even if they no longer live there- you commit an offence opening the letter

 

it should have been put back in a postbox marked "unknown at this address" or given back to the postman

 

Normally I would agree about returning it as 'unknown at this address' Unfortunately this approach seldom works as these types of muppets either can't read whole sentences are they think it's their target trying to avoid capture8-)

 

Best to sort it now before it escalates Tell 'em you'll report them if they continue to harass you ........... then do it anyway:grin:

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If your not the person there looking for it's important that you tell them otherwise these cretins will continue to chase you possibly even trying to obtain a CCJ So the sooner they know your not the person there looking for the better

 

Incidentally I'm not suggesting you give them information about the person they ARE looking for let 'em stew

 

 

Hi JC,

 

No, it is not me they are looking for, so they can't get a CCJ on me - or am I missing something!

 

I have no idea who he is other than he owned this house before it was converted into two flats. I wouldn't tell any grotty DCA even if I did.

 

Besides, I don't call DCA's. :D

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Hi Clearly you don't understand they won't care if your not the debtor unless you stop them. Haven't you been reading the newspapers they drove one elderly lady to commit suicide even though she owed no one anything

 

Also they will almost certainly have registered a default at your address which will affect your ability to obtain credit

 

Incidentally I never suggested you phone them UNLESS that is you can record the conversation

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Also they will almost certainly have registered a default at your address which will affect your ability to obtain credit
As much as creditors and DCAs would like to, a default cannot be registered against an address it would be illegal to do so. It has to be against a person.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Hi Clearly you don't understand they won't care if your not the debtor unless you stop them. Haven't you been reading the newspapers they drove one elderly lady to commit suicide even though she owed no one anything

 

Yep - Mrs Brazier? I know she didn't owe it, but did they have the debt in her name do you know - I think that could be the difference?. Even if it wasn't they are, of course, still swines for ignoring her.

I will ignore them, because it is for someone else - and they'd have 4 people here to try and pin it on and they can't. If somehow they put his debt in one of our names then I will contact them.

Only really put the letter up for a laugh and, because I hadn't heard of them, a poss heads up to 1st crud's tactics.

 

Also they will almost certainly have registered a default at your address which will affect your ability to obtain credit.

 

I don't do credit, but I still hope they don't manage that, but think Cerbs is right? Flatmate has flawless credit and nothing shows up on his CRA reports.

 

Incidentally I never suggested you phone them UNLESS that is you can record the conversation

 

I know you didn't, JC, I was just making that comment because, well, I don't call them. :D

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Blimey... so 1st Crudit now have two faces - Mr Nasty and Mr Nice!

 

Time for you to get nasty to get them off your back.

“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 note they have an 0843 numberr - cheaper to ring than the 0870 number on 1st credit's own letter heads - how thoughtful! :roll:. Apart from that the letter head is identical - even the e-mail address is the same - how imaginative! :)

 

Incidentally should they not give some info on Debt Help Services's status and ownership on its letter heads - is it a sole trader, partnership, limited company (or just a gang or mob like all the other DCA's?) - maybe it's a CHARITY???? :roll:.

 

Are they not legally obliged to provide this info?

 

I sense another OFT/FSA complaint coming on! :-D

 

BD

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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It does say clearly at the bottom of the letter that it's 1st Credit Ltd.

“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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