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    • Thanks I just had a quick look.  Will study over the w/e My friend does have kids. But it's a really dysfunctional family.  They don't talk.   Many years ago he sold 2 property assets and gave them a lot of money (enough to buy homes w/o loans) .  They've done nothing for him in the last 2 decades. And he altered his will so his new partner gets everything; the kids nothing (more). The 1st form I glanced at - to be deputy - asks for family details.   If I give his kids details I suspect the authorities may say they should get the deputy job instead?  Then  they will steal the money and give nothing to his partner. I can get a copy of the medical assessment  - and get it translated.  If need be.   This has all happened very quickly.  He got sick. And that must have kick-started dementia.   He was fine to hold a detailed conversation 6months ago; now he cant
    • Hi I think the only way around this as he lacks capacity is someone is going to have to apply to be a deputies via the Courts as he has assets here in the UK and a UK Bank Account which will take time and there will possible be Court Fees to make the application. Also if the Lack of Capacity (Dementia) was diagnosed abroad the person applying for deputies will need that diagnosis and it will need to be translated legally for the UK Courts so possibly cost for this as well. Also for reference although you were assisting them before the lack of capacity and had authority to act on there behalf that no longer stands due to there diagnosis of Dementia therefore Lack of Capacity so you no longer have any authority legally to act on there behalf unless the below is actioned or someone has Power of Attorney for that individual (which was setup before the Lack of Capacity) Have a wee look at these links: https://www.gov.uk/become-deputy https://www.lawsociety.org.uk/topics/private-client/mental-capacity-international-aspects#:~:text=You might need to make,act within the foreign jurisdiction https://www.gov.uk/government/organisations/office-of-the-public-guardian I have got to ask with the Dementia diagnoses are you 100% sure the diagnosis states they Lack Capacity as not everyone that gets a Dementia diagnoses may lack capacity initially. Now the Office of the Public Guardian link above you could also consider giving them a call just to give them a brief on this situation and get there advice on what documents etc are needed for deputies to be appointed as the person with Lack of Capacity is abroad.
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Need help to deal with 1st Credit ltd

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Hi guys


I'm new to this forum so I need a little help.

My sick father received a letter from 1st Credit ltd out of the blue and asking him to contact them as soon as possible.


The letter states; "1st Credit Limited is attempting to contact the above named address regarding a personal matter.



Your address been supplied as a possible address for our subject.



If you are Mr Blu, bluh Please contact our offices immediately on telephone number 01737235203

and quote the above 1st Credit reference number at which time further information can provided.



If you are not Mr Bluh, bluh If Mr Bluh, bluh is no longer resident at this address we would appreciate you calling us at your earlier convenience on 01737237376.



This will enable us to update out records and thereby avoid our contacting you unnecessarily in the future.



Please note this telephone is manned between the hours of 9am-5.30pm Monday to Friday.



Any information provided to us will be treated in the strictest confidence."


My father took out a £10k Bank loan 10 years ago and was paying for it until he got very sick and had to be hospitalized.



He moved couple address in these 10 years and he hasn't worked ever since due to illness.



He hasn't informed the bank of where he was all this time so I'm very surprised that 1st Credit located him somehow. :!:


I haven't replied to these annoying :mad2: people yet but I need advice on how to deal with them effectively?


Thank you in advance.

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Ignore them for the minute, another phishing letter!!


Check his credit files first, see what if anything is on their regarding this.


Which Bank was the loan with?


Welcome to CAG by the way!


Keep the letter, and send a copy of it to the FCA, this method of ''expert tracing'' went out with the square wheel, yet they still use it! Muppets!!!!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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just remember 1st cfedit are a DCA




and have no such legal powers.

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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AS BB advises - credit his credit file - Noddle is free and easy!! as a start


PMSL! I would never condone crediting your credit files! :thumb: Brilliant!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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  • 2 weeks later...

IT Seems We are Back for Round Two with 1st Credit


This time around bank HALIFAX included it's letter with the 1st Credit letter together in the same post.

Please note that I did ignore the first letter and did not contacted them at all.

I'll read out what the HALIFAX is saying.


Dear Mr bluh, bluh.

We are writing to notify you that Bank of Scotland plc has assigned all of its respective rights, titles

and interests in the respect of the above referenced account (including the outstanding balance) to 1st Credit (Finance) Limited.


The total balance sold was £173.21, as at the date of sale 18/11/2013.

Any payments made towards your Bank of Scotland plc account after the 18/11/2013 will be forwarded to 1st Credit Limited

and will be deducted from the balance shown above.


Under the terms of this assignment, and as defined in the Date Protection Act 1998, 1st Credit (Finance) Limited,

is now Date Controller of your Personal Date contained in the records of this account.


1st Credit Limited has been appointed by the 1st Credit (Finance) Limited, to manage your account

and it is essential that all the future and correspondence regarding this account be directed to 1st Credit Limited at:

1st Credit Limited, PO Box, 278 bluh, bluh, bluh...

Please contact 1st Credit Limited to discuss repayments of your account based on your financial circumstances.


It's interesting where the £173.21 comes from because I was expecting a much higher figure

and why does Halifax keep saying "your bank" when the bank account been closed during the Dinosaur times? lol.



The 1st Credit letter is just confirming that they are the legal owners of the outstanding debt

and they also saying that it can be paid through using one of the automated options.



They also saying that I need to contact them for repayments affordability

and if I don't contact them, than I will be contacted by collecting agents about the repayments of account.

They are becoming a bit of a pest this 1st Credit, what's the next step should I take or should I just continue ignoring it? Cheers.

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neither letter is from Halifax

they are both from 1st crapit.

they are allowed to use the letterheads.



doorsteppers eh..

no powers whatsoever!!


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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1ST Credit have been writing to me for 8 years now, for a debt to HFC,



i have never responded, They threatened all kind of things, i still ignored, every so often the offered me a discount but i still ignored,



just before it dropped off my credit file, they offered me a 95% discount, i still ignored


As far as i am concerned, they just buy bad debts hoping to get something/anything,



I would ignore anything they send, unless it has Claim Form on the top


They still write to me now, every 6 months or so, 3 years after it became Statute Barred, Doesn't bother me :-)

Edited by colin11
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Would agree with colin11

- have been on my case for a Lloyds debt assigned to them

- written off by them a bought for pennies

- just ignored after asking for proof.



Suggest you do same.

Mine not yet SB so have to be careful.

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