Thanks for your help

Yes l have CCA l am trying to find out information on the company to whom owns the debt ? First Credit (Finance) Ltd had the loan first and now 1 credit ltd has it, the companies both have individual Registered No what does an enforceable agreement look like

Can somebody tell which company owns the debt ? 1 credit or 1st Credit (Finance) Ltd l asked for the notice of assignment and this is the letter the letter l was sent Dear Sir / Madam dated 05/07/2007 Re Your agreement with HFC Bank Ltd Relating to Account Number: Balance Outstanding: We write to introduce 1st Credit Ltd to you. HFC Bank Ltd has assigned to 1st Credit (Finance) Ltd the full outstanding balance due under the agreement referred to above. As a result of this assignment, the full amount outstanding is due to 1st Credit (Finance) Ltd immediately. As the outstanding balance is owed to 1st Credit (Finance) Ltd you should not make any payments to HFC Bank Ltd as it will take significantly longer to process the payment onto your account. To discharge your outstanding balance, you now need to make payment direct to the appointed servicing agent 1st Credit (Finance) Ltd at the above address. We ask you to contact this office immediately so we can agree payment terms with you. Failure on your part to do this will result in more formal recovery proceedings being taken against you In accordance with the Data Protection Act 1998 we will comply with any request for a copy of the Personal Information about you that is held on our computer system. Send your request, along with the administration fee of £10.00 and a self addressed envelope to the above address. Please contact us on your reference is PLEASE DO NOT IGNORE THIS LETTER. We look forward to hearing from you. Yours faithfully On behalf of 1st Credit Ltd

Thank for you help will cancel the DMP tomorrow as this is the only one left on it as l cca all the rest and they sent letters back saying the loans were closed and they would not be chasing then , 1 st credit has been the only one still requesting the loan to be pay back

baines and ernest is my DMP and l'm waiting on a SAR from them, sorry as a newbe what do you mean by this HFC should be D&B like DX many thanks for your help

No they are not chasing me as l have been paying debt through my Dmp since 2009 they are tell me to carry on paying through my Dmp We have done a CCA and found that the loan is not on my credit file My late payment was 1 feb by my DMP l m am trying to find out if 1 credit have the rights of legality of the loan as they were not following a good practise in 2009 eg OFT imposes requirements on 1st Credit over debt collection practices HFC loan taken out in 2003 have SAR HSBC again as l lost some of the paperwork -as l need to look into as the loan paperwork . the paperwork was change to joint and a strangers name was put on the loan but the loan was just in my name l have PPI and received the money What you put below HFC/HSBC l have not told about this

Have cca 1 st credit and SAR HSBC (HFC) and there was no notice of assignment sent in the paperwork , HSBC in the paperwork they sent me they did query between their depts if they needed to buy back the loan and their answer was no

Thanks will do

hi wonder if some body can help with this I have CCA 1 credit this was not in the information was not in there so l emailed them the other day see below Hi Thankyou for some of the information l requested I also require you to supply me with a copy of the deed or notice of assignment for this account. this is their reply 1st Credit Reference : Original Creditor : HFC Bank Ltd 2003 loan unsecured Your Balance : £ Dear Thank you for contacting 1st Credit. With regards to your request for a copy of the Deed of Assignment, we would refer you to Section 136 of the Law of Property Act 1925 which provides that the debtor is notified of the assignment of the debt in writing and not a copy of the Deed itself. A Notice of Assignment was sent to you to inform you of this purchase in accordance with Section 136 of the Law of Property Act 1925. Please note your arrangement for £00.00 per month remains in place. If you are unable to make the agreed instalment please contact us prior to your agreed repayment date so that we can agree a solution. Doing so will assist us in preventing further collection activity which could include letters, telephone calls, SMS and emails. If you are experiencing financial difficulties, you can receive free independent debt advice by contacting one of the following organisations: Do they own the debt or not are they calling my bluff so l will carry on paying them through my DMP company