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Morning All , hope someone can advise me as im totally bamboozeld.

 

I recevied a letter today from 1ST credit who have been assigned by HFC bank to claim a full outstanding balance from me.

 

How do i find out who are the original creditors?? , i think its was a sainsburys loan that i took out in 2002 that was passed on to HFC bank to chase.

 

I checked my expeiran credit rating this morning and there was nothing on there from HFC ( or indeed no mention of the couple of creditors( aktiv and connaught) i have agreements with by paying back an agreed monthly plan.)

 

My score was 994 out of 997 with no ccj's. all green ticks and no negatives going back 6 years. Showing no records before that.

 

I have mentioned on another thread that i havent paid the sainsbury loan(£9000) since sept 2006, when i went through a divorce and ended up in rehab as i went off the rails.

 

.I ve been given the advice that this debt is now statute barred.There is no mention of the sainsburys loan on my credit file ( i imagine because i havent paid it for 9 years) and the records only go back 6 years on my expiran file.

 

the letter this morning has enclosed a standing order, asking for a £10 admin fee, and to set up payment terms.

 

the thing that worries me is that the balance they are chasing is about a third of the sainsburys loan amount(£3000) . Do you think HFC have written off the debt, And 1st Direct are charging interest on that original amount for the last 3 years since it was statute barred( basically an arbitory figure)??.

 

Im worried now that if this isnt the sainsbury loan that someone has run up a debt with HFC under my name!, although this would show on my credit file i would imagine.

 

sorry if this ll sounds like a david lynch film, im just hopless and explaining myself and obviously with fiscal matters.

 

please advise this poor old sod as my heads in a spin.

 

many many thanks

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hi and welcome, I am sure someone will be along shortly to help and advice you but in the meantime I will flag this so someone can see it ,

Sandy

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

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If i remember right Sainsburies Credit Card was originally run by HBOS

 

hello again mate,

 

Its so long ago i cant remember ,

but i think HFC gave me a paying in book for the Sainsburys loan when i ran into trouble.

 

 

I know i havent got any more credit cards( other than the ones im paying back monthly by arrangement with connaught and aktiv) or any loans

 

 

. im 80% sure that HFC took over the sainsburys loan i had.

 

 

just need to find out waht this HFC debt is for .

 

 

nothing at all on my experian file.

 

hi and welcome, I am sure someone will be along shortly to help and advice you but in the meantime I will flag this so someone can see it ,

Sandy

 

thanks Sandy. Just need to conIfrm what this HFC s debt is for without cOntacting 1ST CREDIT . ive got a HFC account number but thats all ive got to go on .

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there is no link between HFC and sainsburys

 

so this is a sep debt

 

I would suspect this was defaulted more than 6yrs ago and has dropped off your cra file.

 

pers I'd not be responding.

 

1st credit think they've found a mug

as you've responded to the other one

and are trying to fleece you more

 

I'd SERIOUSLY consider sending a CCA request to the other DCA's you are blindly? 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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thanks dx

,sorry mate im not very good with abbreviations on here just yet,

 

 

i havent responded to any of the letters from 1st credit re This HFC debt.

 

 

I just dont know what it is for .

 

 

I just assumed it was this old sainsburys loan .

 

 

The other two very small payments i make are standing orders to two DCA'S that i have been paying for 3/4 years .

 

i assume mate that this hfc debt must be older than 6 years as its not showing on my file .

 

 

i wont respond unless they send take me to court with my statute barred letter.

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Have they issued a county court claim on this ?

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HFC specialise in high street credit such as Dixon's and curries

 

Furniture stores such as DFS as well

 

thanks mate, no definately no high street credit taken out for anything like that. I havent taken out a loan or any credit cards for over 12 years.

 

Have they issued a county court claim on this ?

hello citizen b,

no county court claims have been taken out against me or ccj's on any of my previous address'es .

my file going back the six years that it shows on experian are as clean as a whistle.

 

i dont want to engage with 1st credit, but havent a clue as to what the debt is for .

 

oh well,

i suppose i will find out if they try to take me to court.

no doubt i'll get some more letters and i'll be back on here asking for help .

 

thanks again lads.

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Thread moved to the appropriate forum.

 

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Agree that you should send a letter to 1st credit that you don't recognise this debt and ask for CCA for clarification. 1st credit are normally very good at giving up when something is challenged, they won't write again except to say they can't provide the documents.

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Thanks all for your advice and help. All of it is gratefully received by myself . Lucky to have this board to turn to.

 

At the end of the day, i havent got a clue what this debt is, and theres nothing on my credit file about it ( file showing last 6 years)on any of the 3 address's ive lived at in that time. Thanks for being there to help me, i dont need another spell in rehab !

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yep leave it be

 

 

just don't forget to get CCA requests sent off to the other two debts you mention above you are paying DCA's.

 

 

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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  • 2 weeks later...

Morning all,

 

Just another two letters in the post this morning from 1st credit...

 

The first one entitled... "we accept affordable arrangement offers' Then' inviting' me to contact them and arrange payment terms all friendly and cordial.

 

The second One Entitled "We are considering taking county court proceedings" saying that IF they issue proceedings they will charge fees etc and attatchment of earnings, bailiffs etc. looks a standard frightner letter to me .

 

it sounds like a good cop bad cop routine !.:mad2:

 

if you think wise and in keeping with most advice i'll ask for clarification of the original debt via cca request, if they actually DO issue a court claim .

 

Once i know what its for, i can send the statue barred Letter to them, as whatever it is its very very old and nothing is on my credit file going back the 6 years.

 

thanks again to all for any comments and for being there to listen.:oops:

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pers I'd not respond

that's the idea of their silly letters

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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pers I'd not respond

that's the idea of their silly letters

 

 

thanks dx, I just go into a panic when i get these stupid letters and it helps meto deal with it all posting on here, to calm down and get sound advice. i shouldnt get so worked up:mad2:

 

thanks mate.

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  • 5 weeks later...

Morning all, Yourve been very kind helping me with stress in recent months regarding an out of the blue demand from a company Called 1stCREDIT a few months ago , who are demanding full payment of a debt, offering discounts and monthly payment terms etc etc .

 

I was confused, as ive never heard of 1st credit or had any dealings with them, so i just ignored them, and im now getting weekly letters from them stating that they" are considering taking me to court". Therve been 'considering" for about two months

 

i didnt know what the debt was for, but i now have more information and i was hoping i could trouble you for further advice.

 

Just to recap, after a bitter divorce in the early 2000's and a couple of spells in rehab , fiscal matters went off the rails but i have managed to steady the ship in recent years. I had a marbles credit card which i havent used since 2005 which has a balance 0f £3,900. (1st credit have offered me a £1000 discount)

 

Ive only just found out via a letter from 1st credit ,yesterday, that 1st credit brought the debt from HFC/Marbles in 04/2008.

 

The thing that confuses me is that i have been paying a company called CONNAUGHT COLLECTIONS £5 per month ( im a house husband)via a connaught all pay card, at post offices, since march 2012 for this debt.

 

I received a statement from 1st Credit yesterday, which shows a record of my payments for the last 12 months going to them., not Connaught collections.

 

I notice that both Connaught and first credit are in Reigate, and share the same post code.

 

If im Paying £5 per month to connaught, as agreed with them back in march 2012, why are 1stt credit sending me letters, introducing themselves to me ,and sending me weekly letters "considering taking me to court" when im already paying this debt to connaught , a fact they(1ST Credit) acknowledge in their statement they have sent to me ??.

 

Any advice from the wise people of this board would really be appreciated as im getting very stressed out by this :|

 

just for further info i checked my My exprian report, and it is clean with no defaults or ccj's and a score of 997.

 

thanks very much, dont know what i would do without this board.

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Youch... Youve been paying Connaught? Did the same postcode and location not RING with you that they are ONE AND THE SAME?

If you are paying them then why are they threatening to take you to court?

 

If this did go to court, as you are making payment to them in one form or another, it would be frowned highly upon to force legal action to get you to pay more.

 

Have you sent a CCA Request to 1st Credit?

 

We could do with some help from you.

 

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old and new threads merged

 

 

please get those CCA request off

 

 

blindly paying a DCa is a bad idea

 

 

sounds iike you are being cash cowed badly

 

 

a DCA is not a bailiff

 

 

and has no such legal powers!!

 

 

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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hello mate, thanks for your reply,

 

the first half dozen or so letters i got from 1st credit didnt mention connaught or the original debt with marbles/hfc ,so i didnt have a clue what it was about.

 

I didnt know Connaught and 1st direct were the same people until yesterday, when i got a statement from 1st credit with a list of payments that i had made to Connaught. 1st credit are crediting the payments im making to the account, that they are threating to take me to court over.

 

I went to find the letter i had received from connaught back in march 2012, they sent me an all pay payment card , and saw that they had the same post code as 1st credit. 1st credit are acknowledging that i am paying the debt in that statement, but i recevied another letter from them this morning 'considering to take me to court' yet again, and offering me a £1200 discount on the £3900 debt.

 

i dont understand why i have been contacted by 1st credit and threatend with court action over a debt that i am paying at £5 per month using a connaught card that i was sent for this debt.

 

Perhaps it as an aggressive way of getting me to up the payments to them?. I even got an e mail from them this morning asking me to confirm my name and address, and for my permision for them to contact me by e mail.

 

I havent sent A CCA REQUEST mate i dont really understand what they are.

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old and new threads merged

 

 

please get those CCA request off

 

 

blindly paying a DCa is a bad idea

 

 

sounds iike you are being cash cowed badly

 

 

a DCA is not a bailiff

 

 

and has no such legal powers!!

 

 

dx

 

sorry just read this, will do.

 

thanks.

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opps all the classic signs of being cash cowed.

 

 

payment card

massive discount

purposefully obscuring the nature and original of the debt by passing it around.

 

 

get that CCa request running

£1PO leave it blank

don't sign anything

 

 

might pay you to get an sar running to HFC too

get all the statements

 

 

sounds like this is a typical HFC card

prob got PPI and numerous penalty fees.

all can be reclaimed

 

 

how did you get spoofed into paying this?

fell for the threat-o-grams?

 

 

when did you take it out

 

 

tell us a bit more history...

 

 

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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opps all the classic signs of being cash cowed.

 

 

payment card

massive discount

purposefully obscuring the nature and original of the debt by passing it around.

 

 

get that CCa request running

£1PO leave it blank

don't sign anything

 

 

might pay you to get an sar running to HFC too

get all the statements

 

 

sounds like this is a typical HFC card

prob got PPI and numerous penalty fees.

all can be reclaimed

 

 

how did you get spoofed into paying this?

fell for the threat-o-grams?

 

 

when did you take it out

 

 

tell us a bit more history...

 

 

dx

 

i feel a right mug dx, but as i say i was off the rails big time after thE divorce and rehab spells , and have only recently got myself settled down again in the last couple of years,i just allowed my self to get bullied BY These constant letters so i arranged to pay them all at £5 per month when i got out of rehab to stop the mental stress of the letters.

 

ive got 4 debts , 2 with AKtiv kapital, one with Lowell and this one with connaught/1st CREDIT, all of which i pay £5 per month each and have done for 3/4 years. I never ever get any contact from aktivkapital or lowell .

 

 

Ive just told the mrs of your reply, and i will print off those CCA REQUESTS this week.

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