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apc01

1st Credit threats on £12k M+S loan from 2005

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1st Credit recently bought an £12K M & S loan I took out about 9 years ago, and

 

 

have not paid anything towards for what I believe is at least 6 years and could well be Statute Barred.

 

I have received numerous phone calls from them

- none of which I have answered

- I have caller display and never answer calls from any number that could be a DCA.

 

Also received a series of increasingly threatening boilerplate letters which I have filed in the waste bin.

 

I have a lot of experience with DCA's with several CC debts going back 10 years

- never been collected on yet

- but 1st Credit seem particularly aggressive,

 

 

the letter received today threatening to commence court action through Connaught

- one of their companies.

 

So far they do not even know I exist at this address - I lived in the Isle of Man when the debts were incurred.

 

My question is - how serious to 1st Credit usually get - is it all hot air like the other DCA's?

 

Thanks.

Edited by apc01

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Scan this letter threatening court action, blank out your details and send it off to FCA

Check the link in your post for them, as they have had action against them before from the OFT

 

Others will be along to advise shortly ;)

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usually you can treat them all the same - phishing for a mug.

 

 

is this on your CRA file?

 

 

dx


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Thanks DX.

 

I assume this has been on my CRA file for years - I have never checked. I have about 8 CC related debts altogether.

 

Usually I do treat them all the same and as mentioned, never been anywhere close yet to being collected on in 10 years :)

 

Will just continue to ignore them.

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go get your file

 

 

its free at noddle

 

 

see below.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Establish the last date you made a payment to the account - do you know if/when a default notice was issued ?

 

Was this an M&S credit card proper or a Store card that was upgraded to a credit card ?


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