1st Credit & Lloyds debt

[exRAF]

Another letter today. Are you supposed to be psychic with these companies? They've sent out a letter with no heading and therefore the only way to check who it's from is by checking who has signed it. LCS solicitors. Not had one from them in a while They are the 'in house lawyers' of 1st Crud I believe? Pretty obvious it's a standard computer generated letter with exactly the same payment info on the reverse. They are informing me that unless payment is made within 9 days they may initiate legal action. I'm bemused at the duration of 9 days, and I guess the key word here is may

 

Not had a pink letter in 18 months, wonder when they'll send one of those again.........

[BRIGADIER2JCS]

They have to have colour coded letter heads

because the can't read.

[casper1963]

have you sent the prove it letter yet

[exRAF]

They have to have colour coded letter heads

because the can't read.

 

Lol! This one is on buff coloured paper. They claim they've been instructed by their 'client' which is strange as surely they are the client being the same company

[exRAF]

have you sent the prove it letter yet

 

I have not as yet. This is due to it becoming SB in Feb. I'm unsure what my position will be if I send the prove it letter and they do indeed 'prove it' ? Would I be better trying to play the long game for the next few months and let them play their hand?

[BRIGADIER2JCS]

They do like to play games, one part time ''solicitor''

and a paralegal and they think they rule the legal world:madgrin:

[Bazooka Boo]

TBH if they have not done anything in the preceding 5+ years then they aren't likely to, it is all willy waving, sending them the prove it letter is not an admission you owe this by any means, you never know they may actually come back with a "we are closing our files" missive.

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

[exRAF]

TBH if they have not done anything in the preceding 5+ years then they aren't likely to, it is all willy waving, sending them the prove it letter is not an admission you owe this by any means, you never know they may actually come back with a "we are closing our files" missive.

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

Thanks for the input

 

To be honest I think you're right on the lack of action front. The debt advisor I spoke with felt the same. I think what has riled them is that my credit file now shows a couple of new accounts including a mobile phone contract. OK owing money, not paying it whilst having a mobile phone contract is not exactly going to win you medals in the moral stakes. However it's not like I've concealed property or massive savings. I live off a military pension and ill health benefits.

 

Let's assume I sent the 'prove it letter' and they did come back with some proof that they are entitled to pursue the debt. I suppose my next step would be a CCA request? Where does all this leave me with regards to the debt being SB? I suppose thinking logically if they had cast iron legal proof they'd have done a lot more, a lot sooner.

[Bazooka Boo]

Your correct, if they had cast iron proof they would have done more a lot sooner.

 

I'd be inclined to switch to 3A 4B (if you know what I mean)

 

Wait out he 9 days and see what comes next, see if you get another fancy coloured bit of A4 to paper your toilet with!

[exRAF]

Your correct, if they had cast iron proof they would have done more a lot sooner.

 

I'd be inclined to switch to 3A 4B (if you know what I mean)

 

Wait out he 9 days and see what comes next, see if you get another fancy coloured bit of A4 to paper your toilet with!

 

Bit confused, could you explain please?

[Bazooka Boo]

It's Army jargon for radio silence, no light, no generators.

[exRAF]

It's Army jargon for radio silence, no light, no generators.

 

Lol, ah I get you now.

 

I'm hearing more often than not that 1st Crud are one of the more persistent of companies. Is this because they generally take things further (court) and get results, or just their basic M.O?

[Bazooka Boo]

Well they will have to get their skates on if they do wish to pursue this!

Besides you will have more than enough time to put in a solid defence if they were ever going to go down that route. You just have to keep asking yourself why no-one else, least of all the original creditor went near a court years ago?

[BRIGADIER2JCS]

JUST THE SOUND OF THE WIND:painkiller:

[BRIGADIER2JCS]

They have started to escalate to CC claims very late

in recent months in my experience.

[exRAF]

Well they will have to get their skates on if they do wish to pursue this!

Besides you will have more than enough time to put in a solid defence if they were ever going to go down that route. You just have to keep asking yourself why no-one else, least of all the original creditor went near a court years ago?

 

One explanation could be a letter I sent to each creditor written by my doctor stating that I had been forced to retire from military service early through ill-health and that it was unlikely I'd return to work in the forceable future. Both if which are true. There's another aspect to that letter, but I'd rather not post that up in public.

 

JUST THE SOUND OF THE WIND:painkiller:

 

Lol, fueled by some 48hr rat packs

[exRAF]

They have started to escalate to CC claims very late

in recent months in my experience.

 

I guess one way to pursue this is to let them play their hand. If I do get threatened with real court action I could then send the 'prove it' letter, then CCA request I presume? This I suppose would buy me time to the SB date. I think worse case I'll have to pay them £1 a month.

[BRIGADIER2JCS]

Too true the barstewards can't have what you

haven't got.

 

If it did go that far opt for the small claims mediation route

no CCJ is recorded, but your'e a long way off that.

[Bazooka Boo]

Yes if the worst comes to the worst, all you will end up paying them is £1 a month, but I don't see it getting that far, not after all this time.

[exRAF]

Thank you both I'll keep the thread up to date with developments. I may also have another angle to tackle it from should it reach the legal stage. I'll PM whomever would be interested to advise on that though.

[BRIGADIER2JCS]

Happy to help a fellow service man any time.

[exRAF]

Well after receiving a few letters from 1st Crud including a '12 days until legal action' letter it's all gone quiet. Are they likely to be looking for a CCJ by default given I've not contacted them? I'm obviously holding out for the debt to become SB, but really don't want a CCJ...........

[BRIGADIER2JCS]

They can't just get a judgement in

default, they have to issue a claim

and only if you ignore the papers

don't acknowledge service, or

don't enter a defence, or don't

attend a hearing then they can

apply for a judgement.

[Bazooka Boo]

Agreed, if they issue you with a summons or SD, then depending on how it was delivered to you will depend on what your next course of action should be, but don't worry about something that has not happened or is unlikely to, they are only psychological threat letters, they go on a cycle, increasing in threats before being flogged on to the next DCA where the process starts again.

[exRAF]

Thanks to the Brig and 'Boo for the input