Argument with 1st Credit

[souljahslim]

Hi, I just has a call from 1st credit stating that they wanted to know why I had sent them a pound, i advised as stated in the letter that I sent them that it was for the a copy the agreement. They advised me that they have sent a request to HSBC and that it may take at least a month and that it will not be an original. She then advised me that they had rang me in error.

 

I have been paying them monthly payments for 4 months now,

 

If 1st Credit cant supply a credit agreement do i still have to pay the debt as they said I had admitted liability, which I have,

 

does the credit agreement they supply have to be the original as thgey told me to get on touch with HSBC for the original. Do I have to do this?

 

Finally she said that they sent a letter by accident to me saying that the outstanding balance had been paid, she told me to ignore this, and made a point of telling me that the call was recorded and again saying that it was on record that she had jus told me to ignore this.

 

I said that I would try and then i said to write to me in the future which she didnt like and she went on to say that the solicitors would contact me and I said they could then she hang up, what do u think will hapepen now

 

thanks

[SuzieP]

Ive received a letter from 1st credit also after sending a CCA request, it states that they will contact there clients but it could take a month. What timescales do i take notice of, the 12 days on the CCA or do i wait til a month like it says on there letter.

[Gingerheid]

It's three months since I got the 'it might take a month' letter.

 

Guess what I've received?

 

Not what I asked for. But I have received 3 'phone us to discuss your correspondence' letters, three phone calls from people refusing to speak to me unless I tell them my date of birth, 2 silent messages on my answering machine, a 'solicitors letter' and a couple of pay in 7 days or else letters. Oh yeah, and another of the wait a month letters too...

[souljahslim]

Hey Ginger, so did u ever pay 1st credit at all, what about my situation what woul dyou reccomend that I do, should I cont to pay as the debt is nearly cleared or should I leave it until I get a CCA

[Guest The Terminator]

It's three months since I got the 'it might take a month' letter.

 

Guess what I've received?

 

Not what I asked for. But I have received 3 'phone us to discuss your correspondence' letters, three phone calls from people refusing to speak to me unless I tell them my date of birth, 2 silent messages on my answering machine, a 'solicitors letter' and a couple of pay in 7 days or else letters. Oh yeah, and another of the wait a month letters too...

 

And dont forget the DCA is breaking the OFT guidelines.Not allowed to use premium rate no's i.e 0870

[Gingerheid]

The thing is this... I don't actually owe their client any money.

 

I have proof, issued by their client, that I don't owe them money. And I've sent them copies of it, more than once.

 

They are strange strange cookies.

[souljahslim]

If any one can pls help to answer my question on the forst post i would really appreciate it as I have to pay on friday thx