Showing results for tags '1stcreditltd'.

Found 1 result

Just another 'help' thread :( 1stcreditltd

johnstanley posted a topic in Debt management and Debt self-help

I have been reading a few threads about 1st credit just to try to get a flavour of what to expect in my dealings with them, and am unable to get a clear picture (probably due to my browsing skills, or lack thereof) I recently received the standard 'please contact us' letter, and will wait until they write with more details of what exactly they want from me. I had a CCJ for a debt to customs and excise over 6 years ago, which has only just dropped off the bottom of my credit record, and so only recently have been able to open a 'proper' bank account. Due to personal tragedies at the time of the original proceedings, I genuinely managed to forget about it, until last year, when i took up a new job, and was subsequently sacked, as the employer had said that i lied about my credit history. Be that as it may, I looked forward to what I thought was the end of the matter, when my credit rating improved after the removal of said CCJ earlier on this year. I guess my question is - what avenues can these debt collectors take to pursue me for this, and is there anyway to reduce my liability? I am currently working, and could afford to make token payments but think that at the rate i could afford, the debt could take years to clear.I live with my partner of four years, and the house and most of its contents can be proved to belong to her.

The National Consumer Service