1st Credit........Are they serious?

[alfwithhair]

Well the very fact they mention Mucky Hall in their letter tells you they are on a loser, Muckys only deal in debts nobody else is interested in or stature barred, the only time muckys will see the inside of a court during their collection process is as 'The Defendent'

 

Just let it lie and see what they come up with

[hillards]

See also http://www.consumeractiongroup.co.uk/forum/showthread.php?261822-More-wingeing-in-Credit-Today&p=3122236&viewfull=1#post3122236

 

This is the 'industry' news, telling their members that the OFT want them to tighten up on identifying the correct person before pursuit of a debt.

[tiddles93]

Having slept on this, I'm beginning to get really angry and frustrated.

Am i being stitched up by 1st credit as they claim i have made payments to "their agents" MacKenzie Hall as recently as 2008?

This is a lie as i have never dealt with either of these company's ever.

 

They have my name, address and the address of a previous partner as they stated in their original contact letter,

They also state that the "debt" is from 2003, so surely it is statute barred, but with them stating that i made payments in 2008, is that a ploy to stop it being statute barred?

They will not be able to provide any evidence because there isn't any, unless they forge some documents.

Do you think i will hear any more from them?

[Undercover-Elsa]

I agree it is probably a ploy to make it appear none statute barred. Still, it's immaterial as it's not your debt.

Hopefully you won't hear from them again unless or until they come up with their fantasy evidence.

Let us know what they send!

 

kind regards,

Elsa x

[tiddles93]

Thanks Elsa.

 

I'm torn between writing to them and telling them they have got the wrong person and threatening them with a complaint to trading standards for harassment or just completely ignoring them.

 

Then again i would be better actually making an official complaint to the OFT although I'm not sure how i would go about this.

[Undercover-Elsa]

I know..it's tempting, but if it was me I would await their next response so you will have more ammunition for a complaint (if they continue to pursue it).

For they moment at least they have acted correctly in putting the account on hold. Let's see if they keep to their word.

 

Elsa x

[tiddles93]

Thanks Elsa....................Your word is my command.8)

[silverfox1961]

Hi Tiddles,

Have you thought about checking your credit file?

It's not unknown for these chancers to trash your credit file even though you aren't the person they are after.

 

Once they come back and admit their error, I'd raise a complaint with them and report them to Trading Standards

[babybear39]

At this juncture, it would be worth sending 1st crud and *uck 'all a request for a statement of the alleged account to determine where the mystery payments have come from.

[tiddles93]

Yes i have checked my file, there has been no visit from 1st credit or any other DCA, the only footprint on it is from an insurance company when i changed my car insurance provider last year.

This only highlights the fact that they are chasing the wrong person i guess.

[tiddles93]

Babybear where would i get a template for this letter, bearing in mind that if i click on any link to a template letter on here it just sends me to the site's home page.

[Old Cogger]

could invoice them for your response £38 per letter + postage in view you are incurring expences unnesssary.

[babybear39]

Just a short formal letter:

 

Dear idiots anonymous,

 

Re: Alleged account number blah blah

 

Please supply me with a full statement of the above.

 

Yours faithfully,

 

blah blah

 

(don't sign it, print your name and send recorded delivery keeping a copy with your PO receipt)

 

[unclebulgaria67]

They have my name, address and the address of a previous partner as they stated in their original contact letter,

 

but with them stating that i made payments in 2008, is that a ploy to stop it being statute barred?

They will not be able to provide any evidence because there isn't any, unless they forge some documents.

Do you think i will hear any more from them?

 

This sounds like your previous partner may have had a finance arrangment with the original creditor and at some stage you were financially linked to them. Perhaps this partner was previously chased by Mucky Hall and they made the payments.

 

The question is why they are chasing you? Unless your previous partner entered your name on some financial arrangement and signed for you, I can't see that you have anything to do with it.

 

This could be why the debt is no longer on your credit record. The previous financial association has been found by someone looking at some historic record and they have written to you, because they can't get hold of your previous partner.

 

Could this be the case?

 

Wait for the documents from the original creditor and see what the score is? If they don't supply them, ask them for the original creditors reference number, so you can make a subject access request to them.

[tiddles93]

I am thinking of sending them this letter.......Thoughts anyone?

 

Dear Sir/Madam,

I am in receipt of your letter dated 6/9/2010.

Your comments are duly noted and copies of all your correspondence will be forwarded along with all my reply’s to the OFT along with a complaint regarding your harassment of myself.

Please read this carefully, I have never held any account or had dealings with Yorkshire bank, your selves or MacKenzie Hall.

 

You are contacting the wrong person; if you continue to contact me regarding this debt I will take steps via the courts to ensure you no longer harass me for a debt that is not mine.

I am well aware that the OFT are monitoring your business practices and you have been warned about issuing demands for money from people when you are not even certain that the person you are contacting is the correct person.

 

I note in your letter that you state “You appear to have made repayments as recently as May 2008, via our agents, MacKenzie Hall”

This proves that you have the wrong person, as I have never made any payments to the above named company, or as I suspect the statement you have made is a downright lie.

I suggest you do one of two things now, One is you write to me admitting that you have made a mistake, with a sincere apology for your actions and that the case is now closed or Two, you send me proof in the way of statements to back up your claims.

 

I suggest you act on option One.

[PGH7447]

Personally I would be tempted to send them a sar and demand all info from them, maybe a waste of a tenner but, then you have everything they claim they hold and ammunition to send to the OFT and FSA.

 

or just ignore the fools

[unclebulgaria67]

tiddles

 

Yes I think your letter should be sent by recorded delivery.

 

I think you should look into whether your previous partner has included you in some financial arrangement, that you know nothing about.

[tiddles93]

Unclebulgaria,

Thanks for your reply, but i can state with 100% confidence that my girlfriend of many years ago was and still is a very wealthy woman, I'm still in touch with her on a regular basis.

She has never even heard of the word credit, come to think of it, i wish i hadn't let her go!

 

So that is definately out of the question, i can only imagine they have the wrong person and am certain after receiving my letter they will close the case.

[PGH7447]

So that is definately out of the question, i can only imagine they have the wrong person and am certain after receiving my letter they will close the case.

 

Hope you are right but dont count your chickens, these fools would not know if they had the right person if they turned up at their office with passport in hand and said I am Me

[tiddles93]

Letter sent recorded delivery, I'll wait for their next garbage to arrive.

Edited September 12, 2010 by tiddles93

[tiddles93]

Had no reply from 1st credit but today my credit file has been searched by connaught collections with "utility" as the reason.

Are 1st credit and connaught connected?

[BRIGADIER2JCS]

One and the same just another desk in the down stairs lav.

I would challenge the search title utilities, don't think crapnought sell gas , electricity or water.

Connaught do the dirty work for 1st Crud.

Which CRA and under which table is it placed?

[tiddles93]

One and the same just another desk in the down stairs lav.

I would challenge the search title utilities, don't think crapnought sell gas , electricity or water.

Connaught do the dirty work for 1st Crud.

Which CRA and under which table is it placed?

Experian, it was done today and the reason for search just says utility.

[BRIGADIER2JCS]

Sounds like a report to the information commissioners office and OFT as this is totally misleading.

Write or e-mail Experian to query the entry, and a similar bemused letter to Connaught.

The whole group 1ST credit, Connaught,LCS Law & Judge & Priestley seem to be resorting to even more underhand tactics than usual.

Perhaps one of the site team should have a look at this, never seen a DCA use Utilities as a reason for a search.

[tiddles93]

Thanks, any suggestion of the wording of said letters?