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i have a defaulted loan of 2k with 1st credit. one of 2 debts left that ive not done the business CCA with yet.

 

they are a bizarre DCA. Ive had no issues with them but i get friendly "offers2 from them" now and again.

 

they have offered a 50% reduction (which i cannot afford) on the account.

 

are Everyday in trouble as per cattles or are 1st cred in the wotsits??

Edited by skyblue2027
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I have received this reply to my request.

 

can someone have a look and let me know if enforceable and also what to claim back etc?

 

Thanks in advance.

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I've had a quick look, it seems OK to me. Since it is a post-apr' 07 agreement you'll find it tremendously difficult to challenge.

 

I'm sure someone with more expertise will be along soon.

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Repayment protection insurance was included, and the sums mean that you would pay back £2,500.08 on the loan....

 

What is the probelm with it at the moment.

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there is no problem. it is one of my last 3 debts which i have not been paying and i am either looking to clear or set up payment plans.

 

I just remember something in another post re: PPI so thought i would get it checked.

 

Thanks.

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another reason for posting is i have had various offers of having 50% wuiped off if i settle the debt.

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Did you agree to the payment protection interest? Did you need it? Were you working when you signed the agreement?

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did agree to it as i remember. think it was recommended and i was working.

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I have a debt which to be honest i have not paid to for a year. its one one on my hit list to sort.

 

1st Credit owned the debt but now i have Connaught collections chasing (same building so im guessing same company) and now J@P solicitors chasing and offering a 25% reduction or court action.

 

i cannot believe these are legit. next actions?? any help appreciated.

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If Connaught are contacting you, then chances are 1st Credit still own it.

 

Were you sent a Notice of Assignment ? Not heard of J&P solicitors.


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forget them

 

anyone offering a discount show two things:

 

no paperwork/its SB'ed

 

debt is PPI/Charges

 

check you CRA file

if the debt does not show

 

gameover.

 

please do not contact them in anyway

esp on the phone

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I think J & P are Judge and Priestly


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Judge & Priestly, Bromley, Kent

Solicitors who seem to make

bullits at times for Connaught to

pass on to LCS, cases started by

J&P the taken over.

Brig.


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Connaught and 1st Crud are one and the same.


“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

 

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cannot remember as assignment but 1st credit do show up on the CRA as a defaulted debt. to sort this out do i CCA connaught or 1st credit???

 

ive done CCA but cannot remember what i did with it. ive had numerous letters from 1st credit offering to "pay half" and clear.

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IF 1st Credit are on your CRA file CCA to them.

What is the default date on your file and when was

the last payment or acknowledgment made???


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Default was 12/09 last payment must have been dec of last year then i was made unemployed. back working now mind but didnt get this one sorted.

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Send CCA to 1st Credit get proof of posting and

use the letter from the CAG Library.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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cannot remember as assignment but 1st credit do show up on the CRA as a defaulted debt. to sort this out do i CCA connaught or 1st credit???

 

ive done CCA but cannot remember what i did with it. ive had numerous letters from 1st credit offering to "pay half" and clear.

 

as in post 3

i'd do nothing

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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as in post 3

i'd do nothing

 

dx

 

 

ok will leave for now. whats the chances of court action??

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never heard of a debt that has had a discount letter ever going to court.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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This company is doing just that, hence the litgation report made.

 

Brig.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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could be interesting

 

very diff tactics too

 

i wonder what figure they go to court for then

or

if the figure they sue for could be challenged?

 

hey one minute its this...next that.

 

judge, what is really going on here..?

i owe the money yes, but if the DCA brought it for peanuts

and have already offered a discount

one wonders if asking for the full figure is rather unjust enrichment

when none of it will go to pay off the org debt anyhow.

 

.urm.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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This seems to occur with old Citi Card and Associates Capital Corporation

Card debts that are close to SB.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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forget them

 

anyone offering a discount show two things:

 

no paperwork/its SB'ed

 

debt is PPI/Charges

 

check you CRA file

if the debt does not show

 

gameover.

 

please do not contact them in anyway

esp on the phone

 

dx

 

Good advice!

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