Help again please with 1st credit

[ukiainib]

Hi babybear,

been reading your thread for sometime now.

 

The best thing is your still here, and helping so many people with your threads and the way life is treating you.....Thank you, for making so many people feel they are alone.

[Brassed off]

Hi BB

 

{{{{hugs}}}

 

It’s not so bad being bankrupt, it is always a last resort if everything else fails I’m afraid.

 

Does your bankruptcy mean that 1st Credit won’t get any dosh?

[tomterm8]

Babybear, I suspect that after the shock of bankruptcy, you can start to feel a real sence of hope. You've got an entire new chance, and sooner than you know it you'll be a discharged bankrupt.

[clutchingatstraws]

BB

 

Think of it as a new start.

 

Cas

[babybear39]

Thank you all for your very much needed support, help and kind words of encouragement

 

I wouldn't be here now if I hadn't found CAG.

 

The DCAs made me feel so ashamed, helpless, almost criminal to be honest...

 

I'd had a very good paying job before all this happened, but we never know when bad luck/ill health/permanent disabilities will strike us. If I'd known that, I certainly wouldn't have got myself in the mess I ended up in

 

Bo, no-one gets anything, I have nothing...

 

I'm still getting letters from SC&M re: the CCJ even though the OR has contacted them (had a very interesting conversation with them yesterday ) Here's the link to my short thread on them http://www.consumeractiongroup.co.uk/forum/general-debt/103568-ltsb-ccj.html...And also cabot chasing an alledged debt included in the bankruptcy...

 

The transcript of the conversation with SC&M will be passed to OR ASAP along with their letter and the one from cabot.

 

You're right tom, the intial proceedings were very daunting but I had a very understanding judge, court staff and my support worker who all helped make the process as painless as it could be...

 

For anyone in a similar position, contact CCCS who helped me get my bankruptcy costs from the charitable organisation of a former employer. Numerous DCAs said I couldn't go bankrupt as I didn't have the money to petition, and one particular nasty guy gloated over this and made me cry. That's when I phoned CCCS again and asked if there was any way I could get help with the costs. They asked my who my former employers were, gave me links to sites and even supplied a letter recommending the bankruptcy.

 

I was prepared to pay any enforceable debt, but they made my life such a misery I felt I had no other choice.

 

At least now I can get on with my studies and look forward to a new and exciting career

[clutchingatstraws]

DCA,s rely on peoples vulnerabilities to sustain their filthy trade, they are also used to hide behind by the CC and Loan companies who's desire it is not to show that credit is debt.

 

Good luck with the studies BB.

 

Cas

[babybear39]

Thanks Cas

 

I'm studying for my BA Journalism...Might do a nice feature on this bunch of *****, including all the other lovely DCAs I've had to put up with so they don't feel left out

[Hopeful1]

Thanks Cas

 

I'm studying for my BA Journalism...Might do a nice feature on this bunch of *****, including all the other lovely DCAs I've had to put up with so they don't feel left out

 

That's the spirit! You'll never be short of people to base stories of financial nightmares on anyway!

[gussie]

Hi Babybear

 

I found this site, and your thread, by accident when I did a Yahoo search for 1st Credit. Bless you all - you are an inspiration and a shining example of mutual help and support. We act for our son who is abroad; this isn't our debt and 1st Credit have so far failed to convince us our son owes anything, so we can be a little more detached about it than most. Even so, let's say I am not impressed with 1st Credit's interpretation of the law.

 

[BTW I see that the director of 1st Credit has been elected CSA President. Nice long spiel about integrity, etc. When I have sorted out our problem I hope to write to him personally congratulating him on his appointment and asking if he is aware of what is going on in his own back yard. Maybe he knows already, judging from your correspondence about 1st Credit checking up on this site.]

It was an inspiration to read your story - talk about empowerment!

[tomterm8]

Welcome to the forum, Gussie.

 

If you have anything you need help with, please feel free to post a new thread on http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/ .

 

for example, if there is some doubt as to his owing money, you might consider S.A.R. ing the original creditor.

[gussie]

Hi Tomterm3

 

Many thanks. I am new to this game - what is S.A.R.ing, please?

 

Meanwhile, hugs to you all.

[tomterm8]

A S.A.R. is a request under the Data protection act 1998 to recieve all data held about you by an organisation. It normally costs £10.

 

A very simple letter sent to the Data Controller of the organisation such as:

 

Your Address

Accounts No:XXXX, XXXXX

 

Dear Sir or Madam,

 

Please send me all personal data to which I am entitled under the Data protection act 1998. i enclose payment of £10.

 

My previous address was XXXXX.

 

I enclose a copy of driving license / council tax bill / utility bill as proof of identity.

 

Yours faithfully,

 

XXXX.

[gussie]

Many thanks.

[tomterm8]

Just type your name, no need to sign it.

[rory32]

For anyone in a similar position, contact CCCS who helped me get my bankruptcy costs from the charitable organisation of a former employer.

There are also a number of utility trusts who will help you with the costs of paying for self bankruptcy, often paying the full cost.

 

Enjoy your studies BB and best wishes for your new career

[babybear39]

Thanks rory In my case there weren't any utility trusts who could help.

[howmuchdebt]

Hi,

As you know i am having problems with 1st credit too,but whats confusing me is whether they will have a CCA for the debt they are chasing me for,they must have bought it off citifinancial so is obvious they were sent the CCa,this is new to me ,

 

Should i write and ask them for one and will it halt them in their tracks concerning their threat for a charging order on my property do you think ?

 

thanks

[sosumi]

Hi,

As you know i am having problems with 1st credit too,but whats confusing me is whether they will have a CCA for the debt they are chasing me for,they must have bought it off citifinancial so is obvious they were sent the CCa,this is new to me ,

 

Should i write and ask them for one and will it halt them in their tracks concerning their threat for a charging order on my property do you think ?

 

thanks

Hi HMD,

No, it doesn't work like that. There's a brilliant thread by OnTheBrink on the 'General Debt' sub-forum here (Inside a DCA!), which explains it much more but no, I very much doubt they'll have the CCA. They're very unpleasant gamblers, they take a chance on 'debts' they buy. Most people haven't heard of CCA requests or their legal rights, and that's what DCAs gamble on. When you request a CCA you put the account into dispute. I think anyone who has dealings with 1st Credit should always CCA them straight away - they shouldn't be underestimated, but they rarely have the required documents. The only thing you can do is ask, wait and see. They might have a letter of assignment, but that's not a CCA

[babybear39]

Hi howmuchdebt,

 

You must put this debt in dispute ASAP as long as you're not comfortable with the way in which 1st credit are handling it.

 

Whilst the alledged debt is in dispute they CANNOT apply for a charging order.

 

To do this you need to write recorded requesting a true copy of the properly executed consumer credit agreement - CCA. Here's the letter you need:

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

YOUR ADDRESS

DATE

 

 

THEIR ADDRESS

 

Dear Sir/Madam

 

Re:− Account/Reference Number XXXXXXX

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

 

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. This payment is NOT to be paid used for any other purpose.

 

We understand a copy of our credit agreement should be supplied within 12 working days.

 

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

 

Amend to suit and send with your £1 payment in postal order form keeping a record of all to track, trace and ensure things are cashed, recieved etc...

God luck, best wishes and a very Happy Easter

[howmuchdebt]

Hi howmuchdebt,

 

You must put this debt in dispute ASAP as long as you're not comfortable with the way in which 1st credit are handling it.

 

Whilst the alledged debt is in dispute they CANNOT apply for a charging order.

 

To do this you need to write recorded requesting a true copy of the properly executed consumer credit agreement - CCA. Here's the letter you need:

 

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

 

 

YOUR ADDRESS

 

 

 

 

 

DATE

 

 

 

 

 

 

THEIR ADDRESS

 

Dear Sir/Madam

 

Re:− Account/Reference Number XXXXXXX

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

 

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. This payment is NOT to be paid used for any other purpose.

 

We understand a copy of our credit agreement should be supplied within 12 working days.

 

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

 

Amend to suit and send with your £1 payment in postal order form keeping a record of all to track, trace and ensure things are cashed, recieved etc...

God luck, best wishes and a very Happy Easter

Hi thanks for this info.

the thing is though we are paying £9.61 per month through payplan and sent them a toaken payment In January with a signed letter from myslef and hubbie,so we are ackowledging the debt arnt we ?

 

I hope we can still dispute it as its playing on my mind all the time and making me feel quite ill at times

[sosumi]

We were paying Citi through Payplan too. They sold the debt to 1st Credit, hubby phoned to get the new details for Payplan and was kept on the phone for at leasrt 5 minutes by a woman who wouldn't stop, threatening bankruptcy, telling him to sell house etc. We sent the CCA request, they wrote back growling they'd request it, we waited the 12 + 1 month and wrote a bog off letter from here (CAG). They bogged off! They want to make you feel ill. CAG gives you muscles!

[howmuchdebt]

We were paying Citi through Payplan too. They sold the debt to 1st Credit, hubby phoned to get the new details for Payplan and was kept on the phone for at leasrt 5 minutes by a woman who wouldn't stop, threatening bankruptcy, telling him to sell house etc. We sent the CCA request, they wrote back growling they'd request it, we waited the 12 + 1 month and wrote a bog off letter from here (CAG). They bogged off! They want to make you feel ill. CAG gives you muscles!

Hi Thanks this is really interesting i never even thought of anything like this until reading this forum,

 

We are sending a letter today i have a stamp and its going in the post first thing ,

 

Happy Easter to you even though there is about 2-3 inches of snow outside :o

[howmuchdebt]

Hi again ,just been looking at the threat letter from 1st credit and On the letter from 1st credit they say their client : CITIFINANCIAL EUROPE PLC

 

Is this likely to be true if so where do i stand with asking them for the CCA ?

Life is so complicated

[PossVox]

Hi howmuchdebt,

 

You MUST send the CCA request by RECORDED delivery or SPECIAL delivery which means that the request must be signed for and you will have confirmation that they got your letter.

 

[howmuchdebt]

hello thankyou for your reply i do appreciate it.

 

We ar going to send a letter and post in Tuesday morning by recorded delivery because this way it will halt any court threats hopefully .