Hi
I had a debt which was sold from MBNA to 1st Credit. Due to my income taking a nose dive I have been paying token payments to all my creditors as I could no longer afford my CCCS payment each month. Anyway, 1st Credit passed it to Connaught Collections (who I found out are owned by 1st Credit). I was getting sick of my debts being passed all over the place as I was losing track of who to send my token payments to so I sent CCA requests to all the DCAs currently after me.
ANyway I sent a CCA to Connaught along with a £1 postal order. They returned the postal order straight away with a letter saying they were closing my file and sending it back to 1st Credit. This letter was dated 5th Feb. Then today I get a letter from Connaught dated 9th Feb which is identical to the letter I first recieved off them saying they now had sole control of the debt and threateneing a stat. demand/bankruptcy stuff. I'm not bothered about the content of the letter because from what I've read on here it is a standard letter they send out as a scare tactic. I have also sent a CCA request to 1st Credit. I plan on just waiting for them to produce a CCA. Just wondered why they have sent me this letter again? I plan on resuming token payments to 1st credit once they produce the paperwork with a view to F+F settlement when I have more money coming in (in my dreams, I am debt free! ;-))