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1st Credit & Now Connaught Collections


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Hi All, it's been some time since i last posted.

 

I have now had a response from a CCA request made on the 23 April 2007 to 1st Credit, however the letter i have just received is from a company calling them selves Connaught Collections UK Ltd.

 

The letter goes like this.

 

We have been instructed by 1st Credit to recover this debt.

 

It is now our intention to issue a statutory demand under the Insolvency Act 1986 (Bankruptcy), as we are unaware of any vaild reason for your non-payment.

 

Please conatct us to arrange a mutually convenient time and date for service.

 

Should you fail to contact us within 7 days then a statutory demand will be issued without further warning.

 

I was just wondering if this would stand up as i have had no CCA from 1st credit.

 

Any help would be appreciated.

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as we are unaware of any vaild reason for your non-payment.

 

Does this mean : we know you disputed it but we are hoping you have forgotten ?

 

 

There is a letter you can answer with. Im sure one of the more knowlageble members will be along shortly to advise.

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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To keep things ticking along CCA Connaught as well.

They have been sending out stat demands like confetti for a while and they need to be shown legally that this debt is in dispute and only a CCA will do.

Be VERY careful whose advice you listen too

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I have just give 1st credit a call to see who now owns this debt.

 

The guy said 1st credit still own the debt however it has been passed over to our other company (Connaught Collections) which is owned by 1st credit.

 

Do i still need to CCA Connaught, as this is a company owned by 1st credit, or do i just send them a letter explaining that a CCA has already been requested from 1st Credit.

 

Cheers.

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Subscribing...

 

Good luck with this lot,

 

BB

"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 ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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*cough*

Subscribing!

*cough*

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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They aren't allowed to pass anything on once they default on the 12 + 2 :rolleyes:

 

Even within the same group, as no CCA = no right to continue to process your personal data.

 

Report them to Trading Standards ASAP saying that 1st credit are way past the summary crimminal offence deadlines and now they've nawtily passed your details to another DCA.

"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 ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Hi

 

I had one of these and as soon as I CCA Connaughts they passed the file back to 1st Credit.

 

Like Babybear says report them to Trading Standards ASAP, the more complaints about 1st Credit the better:p

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Interestingly enough these were the guys who have bankrupted me (I am awaiting a court date for the annulment) Connaught have already said they will ask for the original CCA from the original customer and 1st Credit never responded to my CCA request......I'm going to put these up to the judge....and then sue them both

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

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Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

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Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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it was over 3K Rose....NEVER received any paperwork at all until the Bankruptcy Order was made....and I never received the stat demand....I was working in London at the time which I can prove....they are going to be in serious trouble....as they will have broken the law soon over my CCA....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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I've already been made bankrupt.....i'm getting it annulled....as I said I didn't even know I had been made bankrupt...

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Hi all thanks for the advice, but guess what, by some kind of miracle a CCA arrived today, however it had no covering letter only my account number on top which suggets it's from 1st Credit.

 

This is a very, very poor photocopy and some of the text can't even be read.

 

The problem i have got is i don't know if this is an application form or an aggreement as it seems to be both & if it is an agreement can it be enforced as it is months late.

 

It has all the information on it that would assume it's a CCA however there are some bits that say - we will use credit scoring in deciding whether to accpet your application.

Here's a scan of the CCA - I know it's not much use but if give's an idea of the layout.

attachment.php?attachmentid=998&stc=1&d=1187169348

Any info would be appreciated.

northern rock cca.jpg

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And ill quote rory32 on one of my threads.

 

if you can't read it it doesn't comply with the Act anyway. Copies have to be legible.

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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  • 1 year later...

RacingDriver

A bit of a hijack but as of today i am in exactly the same position as you. I arrived home from work to find exactly the same letter from Connaught that you did, word for word. I have just startted my owen threed so maybe we can share advice?

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