1st Credit - Old Debt

[dx100uk]

right gone throught the total thread

and i think i've sussed it.

 

post#1:on a credit card that I had settled with a previous company for £1,000//I think it was paid with the previous companies bank giro paying in book in cash so I am unable to trace any payment from my end

post#3:No, it was registered with the previous debt recovery company (don't want to say who with because I am sure 1st credit read these forums and I don't want to give too much away here) in 2006 and it was not long after that I paid the £1,000 off as a final settlement. Something that seems a complete and utter waste of money now sadly.

 

please name this previous company you paid the £1000 too

 

because what has happened is they pocketed the £1000, thats why its not on your CRA file. it had already been wriitten off by the OC.

 

so, ignoring that, your SB date would be the last payment to the OC.

 

and that IS more than 6yrs - so thats why its not on your CRA file.

 

sorry, you've been fleeced blind and 1st credit has found out you were, and they've tried their arm at pulling the same stunt.

 

cash cow once...cash cow again trick.

[BRIGADIER2JCS]

Totally agree DX, all of the people

who make large payments in a supposed

full and final settlement MUST

make sure there is a clear and accurate

paper trail for the payment.

[janiswhyme2]

The £1,000 was paid as a full and final settlement to Blair, Oliver and Scott. Okay then gentlemen, do you think I should write to 1st Credit and declare the fact that this debt is statute barred?

[BRIGADIER2JCS]

This was paid exactly when, and did

you get a letter of acceptance?

I'm thinking along slightly different

lines at the moment.

[dx100uk]

oh well

that paid for the staff outing then.

 

we've got words that describe BOS but they are rude.

 

Bunch Of SHifters will do...

 

pers i'd not do anything.

 

its for 1st crap-it to prove its not SB'ed

not for you to prove it is.

 

it would be interesting to see a statement of account

to see where that £1k went

but i think we know!

 

dx

[BRIGADIER2JCS]

This was paid exactly when, and did

you get a letter of acceptance?

I'm thinking along slightly different

lines at the moment.

[BRIGADIER2JCS]

I was Wondering about a SAR to Blair Oliver Scott,

to get the low down on this payment, and it

still concerns me some what that 1ST have knowledge

of it.

[dx100uk]

its int where the £1k has gone and to find out.

 

if they suddenly find it, then would it then clear the debt?

or will it open a can of worms.?

 

or could they turn around and say its more than 6yrs

which again would be funny, the debt WOULD be sb'ed.

 

cant see an advantage sadly

the OP has no proof? that they paid the £1k

so what can be done even if it doesnt show on the SB'ed A/C?

 

 

dx

[BRIGADIER2JCS]

There's the problem DX, maybe

just tell 1ST there was a full and final

made and consider that their claim

has no merit and then ignore

Or state it's SB and leave them to

prove it's not, if they come back

with the payment then state is was

an F&F.

Your choice Janice I guess.

[janiswhyme2]

Hello again all,

 

It is over a year since I last posted here and I wonder if you might be able to give me some advice once more.

 

Well I did ignore 1st Credit and even reclaimed PPI and charges from HBOS.

 

Everything went completely quiet until almost a year to the day,

a letter has dropped through the door today telling me that I have a "Limited Time Discount Opportunity" to pay off my (supposed) debt

where if I pay 10% of what they claim is owed, they will pay 90%.

 

This figure decreases month by month, ie 90% this month, 80% if you pay it in December, 70% in January etc. etc.

 

Somewhat tellingly however when reading over the page it states

"All payments will be accepted but only constitute an arrangement/settlement where previously agreed".

 

Do you think this is a con to get this debt up and running again or simply the last throw of the dice to recoup a measly 10% of a debt that is either state barred or un-enforcable in court?

 

I have to say that I thought I had heard the last of all this,

especially as a year has passed since I heard from these horrible people but the most annoying thing is that I paid £1000 to Blair, Oliver and Scott years ago

as a full and final settlement and as I say, there is no sign whatsoever of this debt on any credit file relating to myself.

 

I would greatly appreciate any help or advice you may be able to provide please.

[BRIGADIER2JCS]

Hi Janis welcome back!!

This is 1ST Credit again?

[janiswhyme2]

Yes Brigadier,

1st Credit again unfortunately.

 

What do you think I should do?

 

Ignore them or tell them to "get stuffed" in a strongly worded letter that once again informs them that the debt has already been settled years ago with Blair Oliver and Scott?

 

Whatever way, they are not getting a penny out of me.

 

Thank you for the welcome back by the way. I hope you are well and that life is treating you kindly.

[janiswhyme2]

Do you think that I have anything to worry about here and what would you recommend as my next course of action?

 

Any advice will be greatly appreciated indeed. Thank you.

[dx100uk]

its a discount letter designed to spoof you

 

ignore

 

dx

[janiswhyme2]

Okay DX. Is this a tactic that is used often? I sort of figured it was a spoof as surely if there had been any merit whatsoever in their so called "claim" against me, then they would have persued 100% long ago and not left it a year also before contacting me about this.

 

So I should just totally ignore this now and not write to them in any form then?

[BRIGADIER2JCS]

Send a stroppy complaint to the compliance manager Janice refer them to the settlement and finish the letter with FINAL RESPONSE>

[janiswhyme2]

Thank you Brigadier. I will do that tomorrow.