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1st Credit & Demon

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Hi,

 

As I stated in this thread, I was contacted by these people about a debt from years ago from Demon. Well, the first letter I have (that i've found so far) is dated 22/03/06, I thought I'd paid this* but cannot for the life of find any receipt. I've now received another letter on 09/01/08, which I replied with a CCA. I received another letter today (dated 23/01/08) threatening formal recovery procedures.

 

Basically, I just to know if I can find out if I have paid them and why they've taken so long in contacting me again?

 

Thanks,

A.

 

* Yes, this was before I found this site and knew my rights regarding CCA's, etc.

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Guest louis wu

The CCA is always the best starting point, but you can follow this up with a SAR's request, to find out what you've paid and any reciepts that have been sent etc

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

It will need adjusting to fit your particular needs.

 

try it and see what comes back.

 

In the meantime, continue learning/discussing CCA's, the more you learn and research now, the easier things will be for you.

 

lous

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1st Credit along with their off the rails offspring MacKenzie Hall & Meritforce wont "recover" anything of any sort.

Trust me on that....they are useless & full of hot air :rolleyes:

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The CCA is always the best starting point,

demon? I assume this is demon internet, in which case it won't be CCA regulated.

 

but you can follow this up with a S.A.R - (Subject Access Request)'s request, to find out what you've paid and any reciepts that have been sent etc

I would do this; you can also look up your bank records.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

 

 

lous

:D


i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Unfortunately, it won't show from bank records I don't think. At the time, I had no DD's with demon from my TSB account and so the cash would've been withdrawn and paid to another bank and it wouldn't be the exact amount. So would be hard for me to see.

 

A.

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Are you on commission MrSensible? :D


Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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S.A.R. definitely sounds like the best route Archangel9, good luck :)


Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Ok, but do I send it to Demon or 1st Credit?

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To Demon I think, as they are the original creditor and will have all records of what you have paid and when.


Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Also, you could write to 1st Credit explaining the debt is in dispute, asking them to prove you owe the money. I know that there is a letter template on CAG in a thread I started about MH and a phishing letter they sent to me that is excellent.

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/125904-mackenzie-hall-collecting-littlewoods.html?highlight=mackenzie+hall


Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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I already sent a CCA to 1st Credit. They responded today mentioning SAR, notice of assignment and section 136 of property act 1925, etc.

 

They also mention copy of statement, charge of which is £10, etc.

 

A.

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A copy of your statement of account is FOC and should be provided under your CCA request by 1st credit :rolleyes:

 

S.A.R. costs £10...


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

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Free of Charge ;)

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