1st Credit Help please

[Joe of the Jungle]

It is illegible, you have the document to prove to the DJ, if it got that far, that this is what they sent you, it matters not that they don't believe the account to be in dispute, they always say that.

 

Account in dispute, document illegible, you have the evidence, withhold all payments to them, and only respond to them 'IF' they issue you with court papers, in which case you will be able to request the documents they will be using to enforce this in court.

 

P.S. Have you claimed back the charges?

 

Hi again,

 

No I have not claimed the charges back . I think I`ll take yours and the other members advice for now, and respond to them if and when I need to. Seems a waste of time asking for a legible copy as I waited a year for what they sent.

Thx

 

Monx...I`ll try not to give in to them, I honestly cant read most of what they sent so I`ll see what happens next.

 

Not looking forward to it though.

[citizenB]

Joe, they should have sent you at the same time, copies of any separate terms and conditions that were in force at the time the account was opened and terms and coditions that are current. If any variations were made, then they are to send those as well. Also, they are obliged to sent you a signed statement of account... and all for your £1.00:)

 

There are plenty of 1st credit tales on the forums so if you have a read round then you will get a feel for what this company are like.

 

Any letters you receive, post the general point of them on your thread and you will get loads of help and advice on how to respond.

 

Do you know if the account has been assigned to 1st credit eg are they now the new owner of the account or have they just been tasked to collect it on behalf of the original creditor ?

 

If it has been sold to 1st credit, then you should have received a Notice of Assignment from them.

 

Remember to keep all envelopes that their letters come in. Staple them to the letter and keep copies of any proof of posting slips (free from the post office) or recorded delivery slips when you send letters to them.

 

If you send recorded delivery, make sure you check the Royal Mail Website perhaps a week after posting and print of the notice of delivery/signature page from the site, again keep that with the letters you send.

[Joe of the Jungle]

Hi citizenB,

 

They have sent me a copy of my application and another page, which I guess is supposed to be the terms and conditions. I had to wait nearly a year for this. I posted a pdf earlier in the thread.

 

Problem is I can`t read most of it. All I`m asking for is a legible copy.

 

I have not received any letters of assignment from them.

 

On Tuesday they sent a letter about offering a generous discount, it says if I want to accept their offer "sign here and return"

or if I don`t want to accept their offer "sign here and return"

and asks for my telephone number as well.

 

As yet I have not done anything...I can`t?

 

I have sent everything recorded and have kept their letters, but not envelopes.

 

I really appreciate the help from yourself and others in times of uncertainty.

 

Joe

[Joe of the Jungle]

Hi again,

 

Can I report the matter to the financial ombudsman as they have now sent a letter saying that they will start legal proceedings against me.

 

It seems they will not accept the account is in dispute, although nothing new has been sent since the Pdf`s I posted earlier in the thread.

 

The only other communication with them since today and since last time I posted, is letters from them offering discounts and strangely a letter saying I owe this debt and introducing themselves as !st credit

 

and asking for payment.

 

Thanks

[Joe of the Jungle]

Also what is a `failed letter ` that Bazooka Boo mentions in his post?

 

Thanks

[babybear39]

Subscribing...

[Bazooka Boo]

As you are now finding out, these excuses for debt collectors cannot be reasoned with and will be the down fall of their sad sorry selves, just went back to refresh my memory as to how bad that copy really was, and without a shadow of a doubt, the first copy you posted up, could in all possibility actually be written in a foreign language it is that bad!

 

You should make formal complaints to the OFT&TS via Consumer Direct, see what they advise first, if anything, and continue to make formal complaints each and every time these complete morons darken your doorstep with their irrelavent nonsense.

The 'failed' letter is simply a letter sent when they have failed to provide an agreement within the time limit laid down, this then disputes the account until such time that they do provide the agreement.

 

However as what they have sent you is in a foreign language and undecipherable, then you could send them the 'what is this toilet paper you have sent me ?' letter.

 

As long as you have informed them that the account is disputed due to the illegibility of it, then that is all they need be told. As well as making formal complaints about them.

[Joe of the Jungle]

Hi,

 

Thanks for clearing that up for me, I have sent a letter of dispute already so I`ll wait and see what happens next. (might consider the other letter, if I think there actually going to read it)

 

I will also see what Consumer Direct advise that I do and will let you know the outcome and any further correspondence.

 

Thanks again

 

Joe

[penmarine]

Hi Joe been reading through, I'm having a ding dong with 1st Credit at the moment aswell (was for Vanquis 07 and MBNA 02/03, got it down to MBNA now, but I doubt they'll keep it much longer). If you get anything from the following DCAs they are also part of 1st Credit: Connaught Collections, LCS solicitors and Debt Help Services. LCS threatened ligitation last year, I only found the letter a couple of weeks ago, never been to court. They are a bunch of mugs. Listen to BB he comes out with sound advice, well I think personally anyway. PM

[Joe of the Jungle]

Thanks for the tip penmarine,

 

good luck

 

Joe

[Bazooka Boo]

If you get anything from the following DCAs they are also part of 1st Credit: Connaught Collections, LCS solicitors and Debt Help Services.

 

Yes PM you are correct in that they are one of the same, I tried to bait them earlier forgot who it was I was supposed to be asking for, ended up laughing at the lad on the other end, now they won't answer my calls!

[babybear39]

Yes PM you are correct in that they are one of the same, I tried to bait them earlier forgot who it was I was supposed to be asking for, ended up laughing at the lad on the other end, now they won't answer my calls!

 

BB, now you know you're not suposed to mock the poor DCAs as they're so sensitive about it lol...

[Bazooka Boo]

I know, I feel soooooo guilty now!

[newman]

I too am in similar sitation with 1st Crud and if you want to have a laugh then grab a coffee (you wll need it ) and have a look at my situaton on my thread 1st Credit & LCS Battle

 

They are like a dog wih a bone this lot and I have taken the advice of BB and others on this forum and have totally ignored them since about May. If you do read my hread you will see they have written loads of "we may take you to court" and "if we are successful" type of letters but having now spent a lot of time on this forum reading through other threads I am now convinced that they have no real chance of succeeding.

 

I am thinking seriously about makingsome official complains to the other bodies reccommended though such as the OFT & TS because I did make a complaint to the F O about 1st Crud and Citi Financil but they were as much good as a choc freguard and didnt help at all.

[Joe of the Jungle]

Hi newman,

 

Have read some of your thread and there are indeed similarities in the way they pursue a person without supplying the required documents.

 

I have received more threats off them, but am taking it with a pinch of salt at the moment.

 

 

 

 

 

Joe