Jump to content


Threats from 1st Crud/LCS


Please note that this topic has not had any new posts for the last 1847 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi all

 

,Have been paying off a loan debt to 1st Crud every month for the past 4 years.

 

Have had letters from them in the past offering discounts if I pay off the debt

and even letters from them thanking me for making regular payments.

 

Now, suddenly, I'm getting threatening letters from LCS Solicitors

telling me I have to pay the full amount within 9 days or they will take it to Court!!

 

As I'm a pensioner living on £67 per week they are lucky to have been receiving anything.

 

Can I have suggestions as to my next step please.

 

Do I ignore the letter or write back??

 

Kind regards

 

Chickenlegs

Link to post
Share on other sites

Hmm, wonder what rattled their cage?

 

I doubt very much in the circumstances that they would get much joy from litigation against you.

 

Just one question, do you own your own home ?

 

Do not under any circumstances, telephone them :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

This, to me, is harassment. You are paying them, they threaten to set the hounds on you. NOT ON-Complain

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Hi citizenB and Silverfox1961, thanks for your quick replies! To answer your question citizenB - yes I own my home jointly with my husband. Who should I complain to silverfox and what should I say?regards,Chickenlegs

Link to post
Share on other sites

Your complaint should be heading 1st Cruds way.

 

I would be saying that as you are a pensioner on a limited income and that they should know this, that to set their tame legal bods on to you is tantamount to harassment. You have been paying quite happily for the past few years and suddenly to get this type of letter is very stressful to you. If you have disabilities/illnesses you could use that too.

 

Don't suppose there are any charges on the loan that you could reclaim? PPI?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

you say you have had discount letters

 

something smells here

 

check this debt shows on your cra file

 

dx

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites
  • 2 months later...

Hi all, To update you all on this.............

 

..I wrote to 1st Credit telling them the situation,

that I am a pensioner living on a miserable State Pension,

have health problems and that their letters aren't helping my stress levels!!

 

I have now had a reply saying they

"require medical evidence regarding your condition(s) from a Consultant, GP or healthcare professional".

 

My initial response was to tell them to p.... off but that doesn't help my stress levels either!

 

Come on guys, suggestions please???

 

Kind regardsChickenlegs

Link to post
Share on other sites

please can you check your CRA file to see if this debt shows.

 

they are NOT OR NEVER

are entitled to know ANY of your medical history

neither

are they entitled to see ANY of your pers financial details.

 

no DCA has ANY LEGAL POWERS to demand ANYTHING

let alone MONEY.

 

dx

 

dx

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

dx100uk thanks so much for your reply -

 

however, I have never ever checked my CRA and quite honestly, I don't want to.

 

I've read over the years of the caggers who have done so and these dcas come out of the woodwork suddenly.

 

We both have a lot of debt and at the moment, fingers crossed, only this dca is being awkward

 

- I couldn't take the rest of them joining in too!!

 

Hope you understand.

 

If you have any suggestions as to a letter in reply I will certainly do that though.

 

Kind regards

Chickenlegs

Link to post
Share on other sites

old wives tale.

 

they already know where you are from voters and mobiles phone accounts etc.

 

up to you.

 

if you want to keep paying a debt that they have NO LEGAL RIGHT to collect on.

 

if its SB'ed then you owe NOTHING

i bet it was SB'ed before they spoofed you into starting to pay it again

 

dx

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

Hi dx,

it wouldn't be sb'd because I've been paying it continuously for the past 4 years, every month.

 

This is why I'm so aggrieved to have got a threatening letter from them

and then this further letter asking for proof of my bad health.

 

You know, I think I'll just very politely tell them to p....... off!! K

 

ind regards Chickenlegs

Link to post
Share on other sites

just because you have paid,

it could have been SB'ed BEFORE you started paying them.

 

or the money you have been paying them has NOT gone off the debt but to THEIR POCKET

 

so the clock has been ticking since your LAST payment to the OC, who wrote the debt off years ago.

 

hence the discount letters

 

there are only ever two reasons for that letter

 

the debt is SB'ed and they want to get as much money out of you before you find out you've been cash cowed.

or

its all PPI or penalty/no paperwork exists.

 

get your cra file and check it shows

 

bet it doesn't!!

 

dx

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites
  • 3 years later...

Hi all,

 

Have been paying 1st Credit for years on a Sainsburys Bank credit card debt!

 

 

Earlier this year I had a letter from Sainsburys Bank admitting to overcharging me in 2007 on this account

and notifying me that they were contacting 1st Credit and crediting my account with the amount overcharged.

 

Two weeks ago I received an annual statement from 1st Credit and guess what!!

no mention of the credit from Sainsbury Bank on it.

 

 

I immediately wrote to them requesting an updated annual statement showing the missing information.

Nothing!! no response from them at all!

 

 

So what's my next move folks??

 

 

I feel inclined to write again to them saying I will not pay another penny off the debt until they send me a correct updated annual statement.

 

 

Any suggestions???

rgds Chickenlegs

Link to post
Share on other sites

If they sold the debt, I'm pretty sure that they cant offset... Dont hold me to that though.

 

Well its your choice what you want to do. Id write to Sainbury's asking if it was paid to 1st Credit.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites
If they sold the debt, I'm pretty sure that they cant offset... Dont hold me to that though.

 

Well its your choice what you want to do. Id write to Sainbury's asking if it was paid to 1st Credit.

 

 

I think you will find they can offset as when the account was assigned all rights and duties go with it, including any liabilities

 

1st Crud will now be the creditor

 

Jones v. Link Financial

Edited by obiter dictum
Link to post
Share on other sites

Thanks for your replies folks. Offset???? Surely not!!! I can't believe that although I'm struggling to pay off this debt, they can simply 'offset' anything else paid against the account! But SB's letter clearly says that as the account is still open they will send the payment to 1st Credit for it to be credited to the account!! I think, as you suggest fkofilee, the first thing I must do is write to SB.

 

 

rgds CL

Link to post
Share on other sites

about time you sent all these DCA's you are blindly paying a CCA request.

 

 

as pointed out last time

 

 

I bet they are unenforceable

esp as your had discount letters

 

 

dx

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

Well you never came back

You prob could have stopped paying years ago

 

Is this a loan or a credit card ??

 

Dx

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...