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    • Dear New Tenant   L C S !st Floor West Wing Town Center House The MerrionCentre Woodhouse Lane Leeds LS2 8LY   02/03/2021   Our Case Ref xxxx Re Our Client E.On   Outstanding balance: £37.xx   FINAL NOTICE   We have been instructed to act on behalf of the above named client to recover the sum of the outstanding of £37.xx for dual fuel consumed at X Whatever Road, Sometown , Anyplace. Despite our previous communications and offer of help we have not received payment or valid reason for non payment for the outstanding balance.   Until you have cleared the outstanding balance, your details may continue to be shared with a credit reference agency.  Other lenders may see information about the way you pay our client and the amount you owe them which could affect your ability to obtain future credit.   In order to prevent any further action and potential inconvenience, we would urge you to pay the full sum immediately or alternatively contact our office on 03445439130 quoting Ref xxxx to discuss your options. Alternatively please email us at [email protected] quoting your reference.   Yours sincerely   Rebecca Carter For and on behalf of LCS   I suspect this is the kind of letter they send when they know they are stuffed?    
    • It already allows visitors to spend their quarantine on a golf course in an effort to boost tourism. View the full article
    • I’ve been getting debit collection letters from a number of diffrent companies but I don’t recognise any of them. So I signed up to one of the credit rating agencies to find out who I owed money to. But that didn’t help. It just lists the debit collection company and the amounts they say I owe them. The amounts are staggering. now I was caught out once before by a debit collection agency saying I owed money but not who to and I just paid it. It wasn’t till after this that I found out that some agencies just send letters demanding payment for a nonexistent debit. On my credit report it says I owe money to the debit collection agent but there are no records of any original debit. no unpaid loans or credit cards.  so what do I do? I had a serious brain injury so I have memory problems and some untreatable mental illness. Thanks for taking the time to read this.
    • Hi, I’m sorry I haven’t replied sooner and that I wasn’t clearer. The situation is this.  I had a pay as you go sim and wanted to change to a VOXI pay monthly account. the guy on the phone said I’d need a new sim that would be a standard pay monthly sim. He told me that once I got the sim then I could call and have it put on a VOXI account. So. I agreed but at some point in the,long conversation after he ordered the new sim he said that infact I didn’t need a new sim and could just change my pay as you go sim into a VOXI sim. so he did that. I assumed that that was the end of the matter. I had done what I set out to do. And didn’t think about the ‘new’ sim because it was not needed. I assumed he had canceled it because it was not needed. then in January I get a letter saying I was behind on my phone bill. so I called them and that’s when I found out the ‘new’ sim had been ordered but never arrived .
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  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

Very Catalogue debt/ 1st Credit.

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I have a very account, due to financial difficulties I fall behind on the payments and then stopped making payments ( I know, not smart)


I have decided that its time to face my debt and I can see the debt on my credit report as "default". I don't want this effecting my credit rating


I want to pay the debt of £382 (with a reasonable price plan £10.00 per month). I recently received a call from First Credit Ltd, I told them that I won't speak to them via phone only via written correspondence. I believe I will start receiving their letters very soon. :evil:


I have logged on to my Very account today and its still active and still asking for payment. My question is, Could I arrange a payment plan with the originally creditor (Very) at this stage? If I make £10 monthly payments via my Very on line account, will it go towards my very account? or be refused?


I really don't want to deal with the credit agency/collectors, I rather pay the company I owe the money to directly (If I can)


Thank you in advance

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The default is a true record of the situation and no doubt will stay on there for 5/6 years depends if you live in Scotland or England, as long as it is a true record that is it, if you were doing a full and final payment you would have room to request removal, but you are asking for payment plan so that is it!


Shop Direct after very short time sale debts to debt purchasers regardless if still outstanding!



and you will no doubt have charges off them i.e.:- Late payment. telephone call charge etc etc etc, get your statements and add them up on a spreadsheet as they are recoverable , when they refuse you have a dispute with them recorded, also when did you take account out with them, if before 2007 then get a CCA1974 request off to them!

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Thank you MIKE770 for your reply, I'm grateful for it.


Should I write to Very or 1st Credit, offering them a payment plan?


I opened the Very account on 2011 and I have incurred many charges,

for example in April 2014 Debt collection letter fee £12.00 ,

Account interest £13.48, Missed minimum payment fee £12 = £37.48.


I was not aware these were recoverable,



I will need to obtain my statements from 2011-2013 as I only have 2014 statements.



Is a template of the spreadsheet available on this forum?


Many thanks

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Hi there


Yes, CCA request to which company OWNS the debt now


Use template library = Data Protection > Full subject Access request to original creditor in order to get all statements.


Interest is generally nto reclaimable.

Late payment fees, letters fees are :) AND with the interest charged on those fees as well.


It may only be worth reclaiming if they heavily reduce or wipe out the balance which with Compound Interest on top, might.








The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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No repayment plan until they comply with the CCA request.








The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Advice needed,


I emailed 1st Credit Lt on Saturday to ask them, whether they have bought the debt from Shop direct Ltd or working on behalf of Shop Direct Ltd. I also informed them that; I would be sending them a letter and a request for a CCA (which I did yesterday)


I just received an email from 1st credit Ltd, saying "To enable us to communicate with you via email, we would appreciate it if you could confirm the following information with us:


> * Full Name

> * 1st Credit Ltd reference number

> * Date of Birth

> * Postal Address

> * Authorised email address

> * Contact telephone number"


My question is: Do I provide with the above? or should I just wait for a response to my letter?


Thank you

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