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1st Credit / Opus Credit Card


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Hi

 

I have studied the forum and have acted on advice I have read.

 

After months of asking for a true copy CCA 1st credit have sent me a reconstituted CCA which is obviously not the true copy.

 

The CCA was pre 2007. original agreement was citi card, they sent 2 agreements

1 from citi card and

1 from Progressive Credit Ltd.

 

They have now threatened to pass the matter to Connaught collections to commence bankruptcy proceedings.

 

I thought that section 127 (3) A copy of the original signed CCA would be needed if the matter went to court.

 

Any advise on my next step please, I have also received a notice of assignment from 1st Credit (Finance) 4 Ltd to 1st Credit (Finance) Ltd

Edited by GTTK
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you are correct was this originally a CITI 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... 

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connault are 1st crapit

 

can you scan up the agreements please

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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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Hi Dx100ukThanks for info, attached are letters and credit agreement for Citi 1st credit have sent, I will send the agreement for Progressive Credit shortly

 

Hi DxCopy of letter I have received direct from Citi / Opus and the obvious template incorrect aggreement received from 1st Credit for Progressive credit

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Hi DxCopy of letter I have received direct from Citi / Opus and the obvious template incorrect aggreement received from 1st Credit for Progressive credit

 

Cant seem to send the attachment

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that's scan was hugh in Mb

 

you also left heeps of pers info showing.

 

I have removed it

 

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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Share on other sites

Oops thought I had removed everything. What happened to the 2nd attachment. It is showing in my profile as processing but that was hour ago. As you can see I'm not great with IT

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One more go

 

Hi DX there it is, if you could check I not made any mistakes please. No idea how to make it smaller sorry.

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Oops thought I had removed everything. What happened to the 2nd attachment. It is showing in my profile as processing but that was hour ago. As you can see I'm not great with IT

 

your scan are 20Mb!! no wonder they are slow to upload

 

they should be about 150kB

 

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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Share on other sites
your scan are 20Mb!! no wonder they are slow to upload

 

they should be about 150kB

 

dx

 

Hi Dx sorry about that as I have said not good on IT. Any idea what I should do re 1st credit please

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is this on your CRa file?

 

when was YOUR last payment?

 

that paperwork is cack

 

anyone could get that together.

 

 

they'll need a copy of the original signed agreement to do anything

 

send the failure to comply letter

 

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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Share on other sites

Hi dx,

 

I sent a letter yesterday to 1st credit politely tellling them the agreement they sent was a pile of cack and did not satisfy the CCA 1974.

 

said "the document that you are obliged to send me is a true copy of the executed agreement that contains the prescribed terms,

all other required terms and statutory notices and was signed by both the original creditor and myself as defined in s.61(1) of the CCA(1974)

and subsequent Statutory Instruments

 

.Since this document does not contain the required prescribed terms it is rendered unenforceable by s127 (3) consumer Credit Act 1974

 

I have received another letter from 1st credit this morning (Obviously not received my letter yet) offering a 5% discount

if I pay within 21 days until the point that a SD has been issued by Connaught. Should I reply to this

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doubt it says WILL issue and SD

 

a discount letter 9/10 means they know the debt is a lemon

 

 

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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Share on other sites

can you ans the questions in post 18 please

 

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

Exact wording says

 

The offer of settlement will be available for 21 days until the point that a statutory demand has been issued by Connaught collections.

 

In the event you do not respond to this letter you will be contacted by Connaught collections who will be managing the bankruptcy process on your account.

 

If they do issue SD can I apply to set aside due to the ongoing CCA dispute?

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Exact wording says The offer of settlement will be available for 21 days until the point that a statutory demand has been issued by Connaught collections. In the event you do not respond to this letter you will be contacted by Connaught collections who will be managing the bankruptcy process on your account. If they do issue SD can I apply to set aside due to the ongoing CCA dispute?

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you mean no cca

 

those are not signed copies they WILL need to goto 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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Share on other sites
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