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Been paying 1st/connaught on HFC debt for 18yrs!!


Dempseyja2
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hi all my wife starting paying connaught collections a old debt from well over 18 years ago

 

 

i know very foolish of her but i didnt know her then. (It would have been stat barred when she started paying).

 

She has been paying them £5 a month

 

 

Now first credit have taken over and are demanding she pays more.

 

IS it worth just ignoring the demands and carry on paying or worth asking for a CCA Reguest to shut them up.

 

the bank in question was HFC so im not sure if they are even still going.

 

Any thoughts?

 

Joe

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stop paying

if the debt was SB'd when she got fleeced into paying them

 

 

then theres nowt they can do to you

its STILL SB'd

 

 

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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correct

once SB'd ALWAYS SB'd

 

 

not even a judge can unbar a 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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  • 1 month later...

hi all

 

i requested a CCA from 1st credit they sent me a statement proposing to be from HFC/

 

Faults i found.

 

1 all hfc statements carried the hfc logo on he top of the page.

2 the statement format is a carbon copy of statements from connaghut colletions 1st credit.

3 the statement says account to 26th may 2010. 1st credit purchased in 2007

4 hfc would not send a statement for a account they sold 3 years earlier.

5 they have put a default date on it his proves they are trying to pass i off as an original.

6 they state an agreement at 0%

 

what people would do with this FCA? police ? cant believe they trying to do this .

 

i enclose a copy ....help please

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Can you please convert your document to pdf format.

 

You would need to make your complaint to the Financial Ombudsman, you could of course send a copy to the FCA.

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old & new threads merged

 

 

so did she stop paying?

 

 

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 all manged to

upload he statement......

 

no hfc logo on statement ......

very similar to an old connaghught statement.

now the funny bit is where its says default notice fee means this statement is supposed to be from HFC.

well 1st credit says they purchased this account in 2007

so why would HFC send me a statement for between 2005 to may 2010 when they wouldnt have any legal basis to do if all the rights were purchased by 1st credit.

 

any thoughts anyone /

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that is an HFCstatement

seen them before

I've removed it as your info can be clearly seen

 

 

follow this upload guide

and do it properly please

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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