I have just been told by Hermes that the bottle of vintage port that i sent that was bubble wrapped and in a wooden box has been damaged and not deliverable! They cannot send me proof of breakage and apparently the insurance that i took out with them does not cover this! I cant believe that this company is still trading! its a complete joke!

Thanks PGH, thought i had put it in the wromg forum so i resubmitted it.

Thanks for the advice PGH, I have just checked my copy of the account in dispute letter, and it is all there so I will let them stew!

Yes i sent the account in dispute letter as soon as the time was up.

Hello everyone, I sent a cca request form to TBI in feb , the 30 day time limit expired on the 5th march, then today i received a letter from them outlining the amount owed account number ect but no cca! Now the question is what do i do now? they are way over any time allowed for supplying the information requested, do i respond to them or just ignore them? any advice gratefully received.

Hello everyone, I had TBI chasing me for a debt of £860 from way back so i sent them a request for cca letter, the 30 day limit expired on the 5th march 2009, today 19th nov I received a letter from them outlining the amount I owe , the account number etc but no cca! Now they have gone way over the time allowed and they have not sent the cca so what should i do now? do i just ignore them? Thanks for any advice as always, Bazza

Thanks for the advice guys, I will await a letter from abbey.

I have today received a letter from 1st credit which states:I refer to your letter received today. We have investigated your dispute with our client. They state that they have not raised any charges that have been declared unlawful and have not raised any charges deemed to be unreasonable. We therefore consider the full balance outstanding to be payable and we consider we are fully entitled to take legal action should we choose to do so. I note that you have never specifically stated which specific charges you considered to be unlawful or unreasonable. I am sure you will appreciate that you would need to do this if you are disputing the balance. I do not think a court would consider it sufficient if you simply state, I am disputing the total. Please therefore provide full details of the specific charges togather ith eveidence should you maintain that you have a valid dispute. As regards to the oft case, no ruling has been made as yet. Therefore at this time no specific charges have been deemed illegal. Is this a standard letter guys? what do I need to do now ? I have not received anything back from abbey yet, the letters only went out a few days ago,1st credit must have sent this reply by return post!

Thanks for that curlyben, the s.a.r has gone off to abbey and the other letter off to 1st credit. I shall be looking into the ppi on the account as i did not know i had purchased it!

What i dont understand is they were a month late sending me the cca, does this not make them in breach of the law? Also i have not missed a payment in 5 years! If they can just send the cca when they want what is the point of having rules about the timescale? How do I go about getting the ppi or charges back guys?

http://i281.photobucket.com/albums/kk211/barrygarwood/cca2.jpg

Hello guys, I have now received another letter from 1st credit, it reads, Iregret the above sum remains outstanding. We may now take legal proceedings against you. If successful it may result in; entry of your name in the county court judgement register making it very difficult for you to obtain credit in the future. Subsequent failure to make payment could result in enforcement action; An application to your employer for attachment of earnings.Seizure of your assets by a county court bailiff. Acharging order against your property. Now they are still taking payments from my account so i have not ailed to pay! They seem to have ignored the fact that they were a month late in supplying the cca and are now treating it as a new debt! What can I do guys? I have tried to upsize the cca but it keeps rejecting.

Well I am now getting phone calls every day at the same time 11.35 and when i answer the pnone there is nobody there! I know its 1st credit as i have checked the number! what i want to know is how they got it as i am ex directory and with tfs!

Heres the cca they sent me,

here is the cca they sent me.

1ST CREDIT For not supplying a cca on time , then after it being a month late immediately start sending me demanding letters and phoning me at home!

Well today I received a phone call from 1st credit! they are really trying my patience now! I dont know what the call ws about as I refused to answer "security questions" and repeatedly asked him where he had got my phone number,does this constitute harrasment? I am reporting them to the trading standards on monday as they did not comply with my request for a cca within the prescribed time limits [it arrived 1month late] and the day after it arrived they began asking for money again, even though i have not stopped paying the original agreed amount! These people really are scumbags and I cant thank the people on here who continue to help people like me with advice, without it i am sure many people would go under. I am attempting to scan the cca they sent me but am having trouble making it small enough! When I phone the trading standards do I just tell them that 1st credit have failed to supply the cca on time and have therefore commited a criminal offence? or is there an official way of approaching this?

After some excellent advice from the people on here[especially curlyben] I appeared to have 1st credit beaten ,but after sending me a cca a month after the deadline they then sent me another letter saying that they had been appointed to collect the debt by abbey! I have not stopped paying 1st credit even though the debt was in default, they removed a default that they had put on my credit file and now this! Do i report them to the trading standards? What should my next move be? Any advice gladly received.

Well another day another letter from 1st credit! as you will know I applied for a cca and this turned up 1month after the deadline! Yesterday i received an email from equifax saying that 1st credit had removed the default, today i get a letter from 1st credit which states: we write to introduce 1st credit to you ABBEY has assigned to 1st credit the full outstanding balance, as the outstanding balance is owed to 1st credit you should not make any payments to ABBEY as it will take longer to process the payment. You should contact this office immediately so that we can agree payment terms with you, failure on your part will result in more formal recovery proceedings being taken against you..... Now what can i do? I have never stopped payments to 1st credit even though they failed to supply the cca on time and have never made payments to abbey, why would bbey assign this debt now? surely this was assigned at the begining when i started paying 1st credit! i have payed half the debt back already and this all started when they demanded full settlement after 5 years! Help would be appreciated guys!

Well hello everyone, The latest news on my battle with 1st credit: today i received an email from equifax saying that after they had contacted 1st credit for me regarding the default that they applied to my account 1st credit have now removed said default! a small victory in the war but a victory nevertheless! Thanks for all the help , i will keep posting any newsi have. :)

Hello people, Well 1st credit today sent me what i think is a cca, it is a month after the 30 day deadline! What do i do now? the form is one page and lists first schedule customer details, second schedule particulars of loan/ interest amount payable, insurance premium and interest and the apr, it has my signature and an abey national signature, is this a cca? If it is as they are so late in supplying it what do i do?. I have continued to make the payments i originally agreed to.Sorry I cant scan the form at the moment somethings wrong with my scanner/printer! Thanks for your help.

Hello everyone, I just need a bit of guidance on a default that those lovely people at 1st credit have applied to my credit file. They have failed to supply me the cca but in may they applied a default notice even though i had not missed a payment! is this allowed? and how do i go about getting it removed? I have contacted equifax and told them that 1st credit should not have applied it but nothing has happened. :confused:

Thanks for that ,is there anything i can do about the default that thay have put on my credit file? I think its a bit off seeing as I was paying them the agreed amount!

Well the 30 deadline arrived today and........ nothing! what is my next step? I have found out that they issued a default on my credit rating in may even though i was still paying the agreed amount! I am still paying that amount through a d/d as i thought if anything was to go wrong it would be in my favour to show that i was still paying. What do I do now people? any advice gladly taken! :-)

Hello again, Well the clock has ticked past the 12 day threshold and suprise suprise no cca from 1st credit! Now the 30 day countdown begins! do I requet an s. a. r yet or do I wait till the 30 days are up? Cyberpatient the girl was lorraine ! what a coincidence! Thanks for the help guys! :D