1St Credit Limited and First Direct 'debt'

[neil6534]

checking my credit file on noddle and it shows a debt just over 1k the lender being 1st credit.

 

 

the account start date is 24/08/2009 but the account history only shows from may 2015 to Oct 2015 all of which are shown as defaults.

 

 

however the default date is shown as 28/03/2014, probably when 1st credit took over the debt.

 

i don't have any clue as to who the original lender was but suspect it was a payday loan

 

 

probably defaulted on it soon after it was taken out. the problem i have is if i did default soon after the loan was taken then it should rightly almost be statute barred.

 

 

if i contact them to find out more do i risk restarting everything again?

[fkofilee]

1st Credit Dont do PDL if i remember rightly. If they do then its a new one for me.

You could do a SAR request... While normally People are against it... It would give you more information on what they are collecting without acknowledging anything

[neil6534]

I believe they are a debt collection agency who take on old debts

1st Credit Dont do PDL if i remember rightly. If they do then its a new one for me.

You could do a SAR request... While normally People are against it... It would give you more information on what they are collecting without acknowledging anything

[fkofilee]

Yes,... Now i have been told off for saying this but ill PM you...

They do take debts and are based in Reigate which is a stones throw away from where I work.

[neil6534]

cheers for the info

Yes,... Now i have been told off for saying this but ill PM you...

They do take debts and are based in Reigate which is a stones throw away from where I work.

[neil6534]

checking my credit file on noddle and it shows a debt just over 1k the lender being 1st credit.

 

the account start date is 24/08/2009 but the account history only shows from may 2015 to Oct 2015 all of which are shown as defaults.

however the default date is shown as 28/03/2014, probably when 1st credit took over the debt.

 

i don't have any clue as to who the original lender was but suspect it was a payday loan so probably defaulted on it soon after it was taken out.

 

the problem i have is if i did default soon after the loan was taken then it should rightly almost be statute barred.

 

if i contact them to find out more do i risk restarting everything again?

[unclebulgaria67]

Not if you don't admit the debt.

 

If your current address is showing on your record, they should be writing to you.

 

You could raise a dispute via the credit reference agency or perhap send a CCA request to st credit. If the start date was August 2009, it should be statute barred within months, if you did not make payments for this loan. Do you want to stir the hornets nest ?

[neil6534]

the problem is that on noddle the 1st default date shown is 28/03/2014, even though the start date for the loan was back on 24/08/2009.....so if i go on the listed default date then i have a problem....if i raise a dispute with noddle re the default date i spose that couldnt hurt unless that could be seen as acknowledging the debt?

[unclebulgaria67]

the problem is that on noddle the 1st default date shown is 28/03/2014, even though the start date for the loan was back on 24/08/2009.....so if i go on the listed default date then i have a problem....if i raise a dispute with noddle re the default date i spose that couldnt hurt unless that could be seen as acknowledging the debt?

 

Not acknowledging. But the problem you have is that once you bite, they correct the information, if it is not statute barred yet, they will hound you for payment.

 

I suspect that someone from the debt company has just added incomplete data. The original creditor never added their default and some rubbish info has ben added by this debt company.

 

You might want to leave complaining until you are sure it is statute barred.

[neil6534]

ah ha..

.think i know what its for,

an old bank account which i went overdrawn on,

so yes the start date was about 2009 .

...now makes sence

although the default date would still be incorrect,

 

 

should be at least 2-3 years in default.

 

 

..if thats the case i can either argue the default date and get them chasing me or leave it and wait for 6 years!!!

[SabreSheep]

Thread moved to payday loans forum

 

 

Regards

 

SS

[neil6534]

now that i know its to do with a bank account maybe it could be moved again - First Direct bank account

Thread moved to payday loans forum

 

 

Regards

 

SS

[ScarletPimpernel]

Yes,... Now i have been told off for saying this but ill PM you...

They do take debts and are based in Reigate which is a stones throw away from where I work.

 

Please abide by the forum rules, especially:

 

3.5 A thread/post will be edited or deleted if it contains:

 

 

d) Offering to advise members or asking members for advice by PM

 

Otherwise, you are likely to attract moderation, which is likely to start with the removal of PM ability.

[janis6670]

1st Credit definitely do take on payday loans. They have been trying to collect an old Cash Euronet loan from me which will be SB in 2 weeks. Hoorah!!!!

They are relentless on their contact efforts

[dx100uk]

I would suspect first direct defaulted before sale

So anything after that date does not harm you

 

Prob find its mostly charges and penalties??

 

Get an sar off to the OC

 

And find out

 

For now I'd ignore the dca

Unless they issue a claim form

 

Dx

[neil6534]

no advice was given on pm

Please abide by the forum rules, especially:

 

 

 

Otherwise, you are likely to attract moderation, which is likely to start with the removal of PM ability.

[neil6534]

now that I know this was for a first direct bank account I had, heres another part to the story

 

- the current balance is £1240 owing

- at the time i had a £1k overdraft facility

- i also had payday loans

 

- one of these PDLS

- Fancyapayday used a CPA to try an take £1300 out of my account in one day

- they only successfully got £750 which they have now been told by FOS to refund me

 

- they took £750 took me over my limit by £250

- surely the bank should have let this happen,

 

at the time i did try and stop the CPA

but the bank said they could do nothing

 

- with some of the refunds from my successes with fos

i want to clear this debt

 

am hoping to get it reduced a little

- what arguments could i use?

[mikeymack2002]

This is why people NEVER give a loan Company/DCA their card details. They can empty an account in moments.

 

If the bank failed to stop the payment on the first attempt then allowed a second or more then a complaint to the bank is also in order...