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Papers served by solicitors acting for 1st Credit (Finance)


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I have just had the Sherriff's men at the door, serving me papers on behalf of solicitors acting for 1st Credit (Finance).

 

They are in relation to an unenforceable credit card agreement that has been doing the rounds since 2008.

Several companies tried it on with no luck and the letters have been dying away. Until now, that is.

 

The papers mention bankruptcy, which seems a bit harsh though I think this is an underhand scare tactic.

 

There IS a 'denial slip' for me to fill in, should I feel that I do not owe the creditor the sum demanded.

I must fill this in and send it within 3 weeks of today (it's going Recorded in half an hour) but what's stated afterwords is a tad worrying, should I not do so:-

 

6 If, within the 3 week period.......you have not take the steps mentioned (deny liability or pay up)... you will be made bankrupt by the court.

 

Can they really do that?

And why are they coming after me, knowing there's no agreement?

HAs something been changed in the law recently that allows a DCA to come after agreements that have previously been deemed unenforceable?

 

All advice grateful.

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Many thanks. I shall support it with letter to previous DCAs and the bank. I have also heard that 1st Credit have been warned for using this stat demand tactic before.

 

Sure have. It could be worth notifying the OFT that they're at it again!

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check your credit file too

on the statute of this debt

 

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... 

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its not been known for them to chase SB'ed debts?

 

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... 

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well i hope 1st credit are listed as the owners then

else they cant take you to court

 

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... 

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well i hope 1st credit are listed as the owners then

else they cant take you to court

 

dx

 

How do I find that out, that they own the debt? It has been passed around several companies prior to them. Also, I've considered DSARing them; do you think that's worth it at this stage, if at all?

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the cra file will tell you the owner

 

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... 

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Sols supplied assigment letter from bank (Which I now do recall) but have supplied an application form that does not link me to the debt; the separate T&Cs supplied do not contain my signature.

 

Any futher advice, please?

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