1st credit chasing old citi debt

[hunterandthehunted]

i sent a cca request in april and recieved a responce from 1st crudit saying that the would respond in 6 to 8 weeks which they are saying now that they have no record of should i point this out to them or just wait it out ?

 

no just ignore them, they are playing games. if you have there response letter to your cca request thats evidence enough. did you send it by

recorded mail?, how did you pay the £1 fee?, have you evidence that you paid it, ie: a cheque etc.

 

did you establish wether it was a credit card account or fixed loan account?

have you sent a sar to the original lenders?

 

lots of questions here, have you got the answers??????????

[drew 57]

yes i have a responce letter from them, the cca was sent by recorded delivery and it was paid by postal order which was cashed. It was a fixed loan account. I have not sent a S.A.R yet as being on short time money is very tight at the moment

Edited November 3, 2009 by drew 57
needs rephraseing

[ODC]

It doesnt matter whether you sent it by rec delivery or not or whether they have cashed the PO or not. You have a letter from them acknowledging receipt so if they chhose to now deny that then they will look very foolish. Sometimes these people tell so many porkies they confuse themselves. ALLEGEDLY. It takes a liar to have a good memory

[hunterandthehunted]

ok there you go, you have proof that a cca request was sent.

just sit tight and play the game with them. every time they send

you a letter just send them the account in dispute letter by recorded

mail but never sign it and obviously keep the slip and a copy on your pc.

if and when they come up with a cca post it up on here and we can

take it from there.

 

p.s. dont bother with the sar at this stage unless you intend

claiming back charges.

Edited November 3, 2009 by hunterandthehunted

[drew 57]

i forgot to mention that the statement of account states that we owe £820.81 but the acknowledgement letter for the cca request states £547.39

[hunterandthehunted]

i forgot to mention that the statement of account states that we owe £820.81 but the acknowledgement letter for the cca request states £547.39

 

 

are you sure they are the same account?, check the numbers.

you did after all wonder whether it was a credit card or loan.

it may be they have received a request for one and not for the other.

 

just a thought....

 

if not have you any orignal documents from the original lenders

before it was passed to 1st crud

Edited November 3, 2009 by hunterandthehunted
spelling

[drew 57]

yes it is the same account we havent any of the original docs as we have moved house several times and things have been lost and misplaced

[hunterandthehunted]

yes it is the same account we havent any of the original docs as we have moved house several times and things have been lost and misplaced

 

what is the amount on the latest letter from them. it does not really

matter at this stage though because you dont aknowledge any debt;)

[drew 57]

the latest amount is £820.81

[hunterandthehunted]

the latest amount is £820.81

 

mmmmmmm, be careful here as it may be a trick. they could be trying

to get you to create,. stating that its £500 and not £800, if you catch

my drift.

 

if it was me i would just ignore them and wait for the cca.

if you are really concerned you should sar them, it is a tenner

but i believe you send it to the original lender and they have 40 days to comply.

[drew 57]

thanks for all the advice I think i will wait for the next nailbiting installment

[drew 57]

here we go again

 

 

18/4/2009 i sent a letter requesting the original Consumer Credit Agreement

followed up with an account in dispute letter 15/10/2009

then received a letter from 1st credit saying that they could not obtain a copy

but would not remove my details from credit rating agencies as i had defauted on their agreement .

Today 23/09/2010 a letter with 2 seperate credit agreements arrived

NO signatures or dates on them apart from a printed date in the top corners of the alleged copies

one with 1/3/01 and

the other 1/1/03

the accompanying letter states that they enclose a "true copy" of the agreement

and consider it fulfils there legal requirement and the debit is now enforceable

Edited September 23, 2010 by drew 57
add more details

[drew 57]

the credit agreements are for credit cards ???

[silverfox1961]

Blimey it's been a while

 

While they can send a reconstruction of what your agreement would have looked like, they would have great difficulty enforcing it through the courts.

Should they start to threaten legal action, you could throw the Pre-Action Protocols back at them.

 

All this means is that they can continue chasing and sending their empty threats

[silverfox1961]

Just read this thread again.

 

Is this your debt?

Did you SAR Citi?

 

As this was an Associates card originally, Citi are highly unlikely to have the original agreement

[drew 57]

just looked at the agreements again they are both from associates they both look like photo copies i wouldnt have thought there would have been two

[silverfox1961]

just looked at the agreements again they are both from associates they both look like photo copies i wouldnt have thought there would have been two

Possibly different years with slightly different terms

[drew 57]

ok then i suppose i can look forward to some more entertaining reading again:!:

[drew 57]

it looks like it is started again had a message left on my phone to contact them they also phoned where i work and left a message where did they get that number from??? i am totally ignoring both i may think about answering a letter

[drew 57]

just realised we had moved from the address on the agreement before the dates on them

[drew 57]

should i send them a letter about a questionable agreement as these do not have any signatures or dates only the ones in the top corners which one at least i was not at the address shown moved 12 months previously

[silverfox1961]

Hi,

You could do;

I happen to like this one but others are around if you don't like that one

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?270666-prrof-of-outstanding-debt&p=3061534&viewfull=1#post3061534

[BRIGADIER2JCS]

RE LCS Solicitors 1st Crud seem to have dropped Judge & Priestley in favour o f their in house muppets.

I have tried to confirm the status of LCS's Principal Solicitor R. D.Marr but SRA & Law Society searches find no record.

They it seems going down the lines of Brian Carter type of litigation.

[drew 57]

in april 2009

 

 

sent a cca letter to them and have not heard anything since that date that is until

 

 

today they phoned my work and

 

 

left a request for me to phone them which i promptly binned

 

 

my question is after this long can they restart their nonesence again

[citizenB]

A short note advising that they are still in breach of your s78 request and to cease phoning your place of work.