Hi All Just an update for this thread. Received large letter from 1st Credit today replying to my CCA request which i paid a £1 for. All that was in the was statements/invoices but No Credit card agreement. Now as i understand shouldn't they off sent me a CCA with this, or is it that they haven't got one. Short letter the sent me with the bundle goes as. Please find enclosed copy statements/invoices as requested for 1st credit Reference .................. Upon receipt please contact 1st Credit immediately to discuss the above account. Gaz

Hi Just been reading the application form 1st Credit sent me and a section stats the following. Applicant's Signature and declaration Included in this application form are the Halifax credit card conditions. You will find a copy of this agreement in your Halifax Credit card application Pack. As i only had the application form, they cant say it was an agreement that 1st Credit are saying they sent me. Gaz

Hi Babydoll No never asked for statements, i only asked for a copy of the agreement. So i'll see what they send back to me. Gaz

Hi All Just an update on this thread, received two letters from 1st Credit today one fretening me with Court Action the other telling me the would be getting intouch with the original Crediter for copy documents i ask for. So just sit back and see what comes through the post. Gaz

Hi Bazooka Yes, this must be the 9th DCA thats handled this upto now, so many i'm losing count lol. Gaz

Hi Bazooka Yes, i know it's been going on for far to long. But i'm just going to force there hand and see what they have got, then i'll tell them to b...ger off. Gaz

Hi All Just an up-date i send over the weekend a receorded letter stating about the phone calls i'm receiving, also a recorded letter with a £1 postal order saying i want a copy off the agreement and not a copy off an application form that someone else filled out. I also received a text message from 1st Credit today saying the following. 1st Credit are now dealing with your account balance £------- in relation to Halifax. Please call us urgently on ----------------- quoting reference --------. To pay using our secure automated payment hotline please call ---------------------. Gaz

Thanks Brigadier for your input, i'll get something drafted up over the weekend and get it off to them. Gaz

Hi All Just to let you know, about an hour ago i had a phone call from 1st Credit. Didn't give the person much chance to say anything, as i said put everything in writing and i then put the phone down. So i need some info in what to do from the letter sent to me and the phone calls. Gaz

Hi Citizen B Yes, thats all 1st credit sent me a copy off the application form which was filled in by someone else not me. But i did sign the second page, but that cant be linked to the first page. I never asked 1st credit for a CCA the just sent me what i put on the thread. Just need to know whether to reply to them with a letter. Gaz

Hi All Any ider what sort off letter i should send 1st Credit to the letter they sent me. Gaz

Hi All Just an update, received a letter from 1ST Credit today demanding money. Send a copy off the application form, and trying to make out that it's a credit aggrement/Contract that i signed. Here's a scanned copy off the letter that was sent to me. Any ider off wheather i should respond to the letter that was sent. Gaz

Hi Citizen B The last payment i made on this was around Augest time 2008. So i'm looking forward to see what comes through the post. The woman who phoned me on my mobile last week, must off been from 1st Credit. Shame i put the phone down on her, i must remember not to be so rude to her next time lol. Gaz

Hi Citizen B Thanks for that, well i think they have shot there foot in this one. As when Halifax issued the original default notice, it wasn't worth the paper it was written on. So let's see what happens now when 1st Credit has a go lol. Gazza

Hi Citizen B Thanks for the info. Now is the following address where i need to send the letter to. Bank of Scotland The Mound Edinborgh EH1 1YZ Gaz

Hi All Thankyou for replying to all my threads, you have all been a great help in giving me advise on these matters. Update on this halifax thread. Received a letter from them today, notifing me that Bank of Scotland has asigned all of its respective rights, title and interest in respect of the referenced account. (including the outstanding balance) to 1st Credit (Finance) 5 Ltd. effective 31/07/2012. Now does that mean that Bank of Scotland had handed my original agreement to them?. As i understand it they couldn't find my agreement for this in the first place. Gazza

Not been on here much lately still been sorting things out at my end. Just to let you all know had a phone call on my mobile, woman said are you so and so i said yes. She said you need to pay Xamounts off money today, i said put in writing and send the original agreement to me. Didn't give her time to answer and put the phone down, now tonight have had silent calls starting on my phone. Any ider what to do, or should i wait and see what happens next. Remember on my thread, Halifax is the one with no original agreement. . Gaz

Hi Brokebutnotbeaten Thanks for looking at my threat and giving me advice, Yes i do have quite a few letters stating what i have and how its being treated from the hospital. I'll see what one i can use to send them, but bit confused about sending them a doctors letter as i'm on Disability benefit at the moment and not working. Gazza

Hi All Just an update on this thread, received a letter from Capital one today responding to the letter i sent them two weeks ago. I removed all my details on this letter here what it says. Any advice on what i should respond with for this letter. Gazza

Hi All Just an update Capquest tried to contact me by phone yesterday left me a message asking if i would call them back. If i would be foolish enough too phone them back lol. Gazza

Hi All thanks for noticing that for me, thought i deleted all the info. Did tell you all i'm still a bit rusty lol. Will get it sorted and re-post the letter. Thanks again Gazza

Hi All Long time since i've posted on this forum. Right all has been very quiet on this thread from Capital One Bank, as i had a payment plan set up with this people paying a £1 token payment each month. Three weeks ago i received a letter from Capital One stating that the people who set up this payment plan know longer was dealing with my case. I did reply stating i will be carrying on with the original payment plan set up for me. As since the payment plan was set up i was diognosed with bowel Cancer which i am being treated for, i explained this in my letter that this was the case. Had a reply back from them, well from Capquest deminding full payment or they will send doorstep callers round or take legal issues. I know this was a threatagram as i dealt with them before, but being away from this forum for a while i'm a bit rusty lol. Here's the letter i received today. Any surgestions what the best letter i should send them. Thanks Gazza

Hi All Just a quick update to this thread, i received a reply to the letter i send IQOR yesterday, they also sent me a complaints procedure telling me what to do if i have a complaint lol. Gazza

Hi Undercover-Elsa Thanks for dropping by and looking at my thread. Yes, yours looks a better letter to send than the one i was going to send. I'll put your letter together and send that to them. Thankyou for that Gaz

Hi all I'm just going to respond to the letter that IQOR send me, is the following letter ok to send them? 30th June 2011 IQOR Recovery Services Limited 33/34 Winckley Square Preston PR1 3EL Dear Sir/Madam Your Ref: Your Clients Ref: I am responding to your time sensitive letter dated 23rd June 2011, send second class mail and received 28th June 2011. I would like to point out, yet again, that this account has been through the hands off several DCA’s from your Client Halifax Bank. You yourself have sent Geoffrey parker bourne solicitors on to me demanding money n this alleged dept. So I beg to differ that you have not received any corresponding letters from me as you should off received that letter from your solicitors. So I would advice you to get back into with your Client as they should have all the relevant information you will need. I will enclose with this letter the OFT Dept Collection Guidance so you can read up and take guidance from the OFT information sheet. If you cant understand what the OFT has written down I’m sure they will be much more than helpful in explaining what’s written in there ruling’s Yours Faithfully Gaz