Jump to content

Court claim received - 1st Credit / Halifax

Please note that this topic has not had any new posts for the last 2988 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 There


yesterday morning i received a court claim form from 1st credit, i am literally bricking it.


i CCA'd halifax a long time ago who took forever to supply a copy of the agreement then it moved to iqor, then connaught, then 1st credit


the last three letters i've written to 1st credit i've asked them to negotiate a settlement or a monthly payment, they've completely ignored me on all three occasions writing back with "pay up in full or else"


i earn 950 a month net, do not own a house, a car, or anything of value and have no savings but i do have a relative who would help me out (this relative was actually paid £3000 off the balance a few years ago but despite this the amount claimed is £4500 more than what the balance was back then - approx 8k and its now 12500 with 1st credits interest charges)


i've attached the claim form, a copy of the agreement front and back and a copy of the deed of assignment.


my view was this; the agreement provided is not an agreement but an application form containing none of the prescribed terms and an unrelated T&C's copy and pasted onto the reverse in an attempt to create something passing off as an acceptable document. every DCA avoided answering my questions and simply said pay up or else.


i've not put in any claim for unfair charges, ppi (which looking at the application it would appear i didnt have) etc


my question is? how do i defend this properly??? i do not want a CCJ!!!!



Link to post
Share on other sites

your attactments are to small to read..This application form is the same has mine Im in a dispute with 1st Credit at the mo..I have 1st credit onto me at the moment ..Afew of the ppl on here that have had SDs and court summons have had theres withdrawn once they have defended....


Im ssure someone will be along to help soo ;)

Link to post
Share on other sites

how peculiar, cant seem to find out why they are so small or what to do about it!


here they are larger;


http://i45.tinypic.com/2aan769.jpg - agreement front

http://i46.tinypic.com/2q3xky9.jpg - agreement back

http://i47.tinypic.com/2f064n7.jpg - deed of assignment

http://i49.tinypic.com/ifo11z.jpg - CC claim form


hope this is better!

Edited by lavamyz
Link to post
Share on other sites



You now have a strict timescale to work to.


Claim issued 12/9 so you allow 5 days for service = 17/9 and a further 14 to acknowledge which is 1/10. Then you have 14 days to put in a defence which takes you to 15/10.


Have you got statements on this account?


What will be the basis of your defence?

If I have helped you please leave me a message by clicking my star


1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here


How To Upload Documents To Cag







Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.


If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon


If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary





Link to post
Share on other sites

i dont have any statements i'm afraid.


basis of my defence - great question, thats what i need help with. i'm looking at the "agreement" and thinking that this isnt enforceable in court but i'm far from an expert.

Link to post
Share on other sites

there is a big issue with these agreements/applications..the code on the front and the back dont match.. which in MHO there are not part of the same document..I dont think an application is proof that an account was open ..but some ppl on Cag have said that some apps can double up as agreements..


mine has been going on now for 4 years ..Been round loads of DCAs..had a 40% discount letter of halifax in 2009..Alot of ppl have said if Halifax wanted their money they would of issued a claim years ago ..I doubt 1st credit have all the paper work, and will prob withdraw once you defend

SARS Halifax and get all the info you can from them it will cost you £10 they have within 40 days to reply..do you not have a DN or TN ??


I would use the CCA in my Defence if it ever came to that

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

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...