1st credit find recon CITI CCA after a year!

[cjb199772]

Hi everyone

 

I received a letter today from 1st Credit in response to a request for a copy of my signed agreement.

 

 

I asked them for it a year or more ago (can't find the letter as it was on an old laptop)

 

They have sent a copy - no signature and no date which they say that they can do by law,

and are now demanding payment and that I contact them within 12 days.

 

I asked in my letter for a response within the statutory period (which i have seen as being 14, 30 days....either way not a year)

 

The debt with the original creditor defaulted, according to my credit file, November 2009,

therefore due to come off at the end of December this year.

 

 

This is a citi credit card debt that I had when I was married and have no recollection of the agreement etc.

 

 

I have not acknowledged the debt or made payment in the past 5 years 10 months.

 

Should they have written back sooner?

 

Why can't I have my agreement signed and dated?

 

IS this just a case of them seeing it's due to become 'expired' and trting it on?

 

Any advice welcome!

 

Thanks

[fkofilee]

Basically you're coming up to the 6 year SB (5 in Scotland) period... Hmmm How much is this for?

Id be tempted to ignore... 1st credit are the Reigate Retards... Wait for the 6 years date and then send them a Stat Barred Letter advising them its over 6 years old.

[cjb199772]

It's for a shade over 13k.

What annoys me is I tried to do the right thing with all of them and they made me default as they wouldn't enter into payment plans. Then they ignored me for a year or more and now magically an agreement appears!

[dx100uk]

CITI card?

 

 

if its pre apr 2007 it wont wash

they need the signed agreement

and the correct T&C's for the right time.

 

 

like hens teeth those are for citi cards.

 

 

I hope you've CCA'd those other debts you are paying too I see

 

 

dx

 

 

 

 

 

 

 

 

dx

[Bandit127]

There is no statutory period any more. That was repealed in 2008 I think.

 

They are allowed to provide a reconstruction in response to a CCA S77/78 request. That doesn't need a signature but it must be a true copy and contain all the specified terms of the original.

 

However, they must provide a copy of the signed original if they are to be able to enforce a judgement on an account that was started before April 2007.

 

When was your account started?

[cjb199772]

Thanks both.

 

I have no idea when the account was opened.

 

 

I am almost sure before April 2007 as I had it quite a while before the default

- which was November 2008 as referenced on my credit file.

 

But I am 3 house moves and a divorce away from the paperwork.

 

Should I write back referencing that or ignore them?

[cjb199772]

In thinking about it it was definitely signed prior to April 2007 as, by coincidence, that was the month my divorce came through and a lot of the debt was for solicitors fees!

[cjb199772]

Bandit127 sorry to bother you - but would that apply then to a bank loan that is showing defaulted and was prior to April 2007?

If that is the case can I have these closed and removed from my credit file?

(not that I want to be in debt ever again!!)

[dx100uk]

if all they have sent , is, basically, a blank 'look-a-like' CCA

then they can get that anywhere, even from here.

 

 

they'll know they have no chance

 

 

pers I'd let it run.

 

 

dx

[cjb199772]

Thanks dx

So if I can get through until the end of November then it is over and done with I think!