Connaught collections/1st Credit/Judge & Priestly

[brigjacj]

This unholy trio are at it again I CCA them for an other in January 09 and they

have come back today with '' A true copy of the Credit Agreement '' which consists of 11 newly printed pages of terms and conditions headed Credit Agreement regulated by The Consumer Credit Act 1974 followed by

This is a copy of YOUR agreement for YOU to keep.It includes a notice about Your cancellation rights which You should read. (their capitals) next is

Creditor

Citifinancial Europe Plc,of

87 Castle Street

Reading

RG1 7DX

 

Debtor:

Miss xxxxxx of

xxxxxxxxx

xxxxxxxx

xxxxxx

 

Apart from a small section of one page which has at the top a chart of interest rates for purchaces, balance transfers & cash advances the rest is pure text,

No where is their any debtors signature or creditors signature or date no witness either.

This rubbish arrived with a letter from CON-naught stating please find information required payment in full must be paid to this office within the next Seven days if you don't respond we will continue our efforts to secure this debt.

Also included is a letter from one Steve Birkinshaw of (S)CITI so called head of Transaction Services UK Consumer Group addressed to Sandra Himsworth of 1st. Credit it states,

 

Further to your recent request for a copy of the credit card agreement for xxxxxxxx nnnnnnnnnnno.xxx. We enclose a true copy of the debtors original and final agreements with Citi Financial Europe.

I have already reported this mob to the OFT and 'concerns' have raised they say, have sent todays rubbish to them as well.

Sent Con-Naught Matter still in Dispute due to failure to provide correct document etc.

 

Any suggestions on what to do next would be appreciated.

[dx100uk]

can we have some more history on the debt please.

 

dx

[brigjacj]

Daughters very old associates credit card in her maiden name so over 12 years ago over £2k. no contact for over 8-10 years so stat barred but Con-Naught ignore all reference to this. also refuse to deal with me as her authorised rep.

[harrassed senior]

You should report them to OFT and Trading Standards via

 

Consumer Direct

 

Write to whoever is contacting you now and ask for a copy of their Complaints Procedure and let them know you have already complained to OFT for breaking guidelines etc.

[brigjacj]

Hi harassed senior have asked all 3 for the complaints procedure not a word on this since Jan 2009

[UnitedFront]

Why even waste the £1 cca fee on a Statute Barred debt??!!

 

Tell them it's statute barred, if they contend otherwise then they must prove it!!

 

I would tell them, in not uncertain terms, to either stop harassing me or take me to court, where I would happily take their money in expenses for a frivolous attempt at abusing the litigation process!!!

 

Definitely report to every authority you can think of and also I'd complain to my MP and the MP of wherever these goons are located nowadays!!

 

I'd send them a final position letter, stating as above and politely tell themto go forth and multiply, so to speak!!

Cheers

UF

[brigjacj]

Thanks for that I am already in touch with my MP over other DCA matters

I wiil put together the type of letter you suggest UF.

I just can't believe how the idiots can carry on producing the crap received today and hope to succeed in getting money, unless they are solely relying on ignorance and intimidation.

perhaps the new government should be ''encouraged'' to take a closer look at this industry as they are using some of the worst offenders to collect benefit over payments etc.

[dx100uk]

the more you write the more you get markers against you - mug awaits.

 

simply ignore them, that is the only way .

 

firing off cca's and statute barred letters will get the current fleecer off your case, but they certainly don't put that on the phishing list when the next fleecer buys it, else they wouldn't buy it.

 

dx

[Brigadier 1JCS]

Hi All,

Connaught have sent another ''Agreement'' which they claim is in compliance of my CCA request it's once again 11 pages of terms & conditions. headed as follows. 03850109200Associates MAR & EMG?

Credit agreement regulated by The Consumer Credit Act 1974

This is a copy of your agreement for you to keep.

It then goes on to give the following detail.

Creditor

Associates Capital Corp

xxxxxxx

xxxxxxx

 

Debtor

Daughters name

Address

 

Important you should read this carefully-your rights.

No where is there any signature for them or my daughter or any dates.

They claim this is is enough to start court action and they no longer consider they debt in dispute. I have asked them to prove the debt is not stat barred

and to give the default date, to no avail.

They also claim to have written on 20 May explaining the reason the think the debt is not SB, no such letter received.

Can any one please give a considered opinion on the validity of the agrrement please.

[cerberusalert]

What was their reason for claiming it was not SB?

[ODC]

Just ignore these idiots. You have told them the debt is Statute Barred. They have not proven otherwise so leave it at that. If they are foolish enough to take you to Court then you can wipe the smile off their faces with a counterclaim. Its is unlikely however that they will be stupid enough although it is a DCA we are talkinmg about so stupidity knows no bounds

[dx100uk]

ignore

 

dx

[ScarletPimpernel]

The OFT Guidance is quite clear on the subject of statute barred debt. However, it is important to make clear that no payment will be forthcoming. You could ignore them, but this gang are stupid enough to issue papers, and why let them cause more hassle.

 

I'd suggest a formal complaint to Bob Kingdon, who is apparently head of Compliance at 1st Credit. Make clear that you consider that the debt is statute barred, no payment will be forthcoming, and that their continued pursuit is a breach of their obligations under the OFT Guidance, and will be construed as harassment if it continues.