1st Credit and Default notice for blackhorse debt

[jonah444]

Hi all

 

I need some help and guidance to see if I have a right of recourse against 1st Credit

who registered 2 defaults against me last month with the CRAs.

 

The DN's letters were sent only 18 days after being late with the 1st missed payment,

that are usually paid through a DMP,

the payment was late due to an admin error with the direct debit.

 

When I got the DN letters they demanded the full amount of the debt and not the late payment,

 

 

I contacted 1st credit by phone and at first they informed me that the default should have been served by Black horse when it was transferred to them 3 and half years ago

and they catching up on their admin, odd.

 

I explained about the admin error with the direct debit and offered to make the monthly payment there and then which they weren't interested in.

I was told to refer this to my DMP company as they only deal with them in terms of payment and correspondence.

 

 

When I called them back they informed that in fact the DN was due to the late payment

and only full payment of the whole amount would remedy the DN.

 

The original loan was not registered with the CRA and now 1st Credit not only registered the loan but straight away registered the defaults.

 

So my question is can 1st credit take this line of action, is not usual to offer the opportunity to repay the missed payments

and usually default notices are served after 3 missed payments.

 

Do I have any recourse against them directly or through the FOS.

 

Thanks

Alan

[dx100uk]

1st credit are a DCa they cant issue DN's

 

only the OC black horse can

 

why are you using a fee paying DMC?

you can do it for free yourself?

 

and have you ever sent each of your dca's that are paid via the DMC a CCA request?

 

dx

[jonah444]

Thanks DX

 

Sorry to ask, but I am trying to establish what is what here. So you say only Black horse can issue the DN is this because they the original creditor (OC).

 

Also I using a free DMC, but if I can do this myself then it would help. Any advice would be greatly recieved.

 

I have never sent any of the DCA's a CCA request what purpose would this serve? Is to determine if they purchased the rights of the original loan?

 

Cheers

[dx100uk]

nice its free well done.

 

 

a dca can only mark you file

the original creditor would have defaulted the debts before sale

so whatever anyone does afterwards cant harm you anymore

 

 

a cca request is very useful if the debts are pre apr 2007

 

 

if they cant find the signed agreements...what debt mate???

 

 

time you read around a bit.

 

 

what other debts are you paying and to whom?

 

 

dx