1st credit - JDW - can they do this?

[lostthewill]

Hi there

Me again! I CCA'd 1st credit for an alleged debt to JD Williamns, they didn't comply int he 12 days, and just 3 days short of the 42 days they have replied to say the following - I've typed it as I don't have a scanner!!

 

"I write further to your letter dated 27 Nov 09. A copy of our complaints procedure has been sent under seperate cover.

 

Following your request for documentation under Section 78 of the Consumer Credit Act 1974, we sought the same from the original creditor.

 

We have since been advised that this is not available to be supplied to us and we are therefore unable to comply with your request.

 

This places the account into a default situation which you are correct in your belief that the debt is currently unenforceable by law. We are fully aware fo the lagalities in relation to this situation however, this does not mean that the debt is written off and the account remains due and payable.

 

We are satisfied of your liability for the debt by the payments which have been made to it. As such, your details will remain recorded on the debt file and the account will remain on your credit history for the relevant period of time."

 

 

Now, do I just wait for the 42 days and then send the 42 days you've not sent me the information letter, or do I respond now? I've never made any payments to 1st credit or JD williams, I genuinely have no idea what this debt is, I've foundonthe net that it's a catalogue company, i've never had a catalogue in my life, so I cannot see how they can satisfy themselves of my liability when they have no proof, and if they have they've never sent it to me!!!!

 

arrrggghhh, it's soooo annoying!! Please can you help/advise/give me something nasty to send them through the post!! :-?

 

Thanks everso!

[postggj]

You Say You Have No Knowledge Of This Debt

 

Have You Requested Full Disclosure

 

Has Ist Crud Or Jd Williams Put A Default On Your Credit File

 

We are satisfied of your liability for the debt by the payments which have been made to it. As such, your details will remain recorded on the debt file and the account will remain on your credit history for the relevant period of time."

 

 

THEY HAVE HUNG THEMSELF WITH THAT REPLY

[lostthewill]

Hi there

Thanks for your reply, I have CCA'd them asking for a copy of the original CCA, deed of assignment, and any other documentation that the CCA 1974 requires them to supply. I've not had a single piece of information from them, other than this letter.

 

I'm off to check my credit file now too!! I hope they haven't registered any default!!

 

If they have and in relation to them saying that they are satisfied of my laibility, what do I do!?

 

Sorry I am new to all this and it's very confusing!!

[postggj]

Well I Took A Dca To Court For A Default On A Stat BArred Debt

 

Happy Payday

 

CHECK YOUR CREDIT FILE ONLINE

 

ITS FREE FOR 30 DAYS

 

JUST REMEMBER TO CANCEL

[babybear39]

Send them the 'prove it' letter number 18 from here:

 

The Consumer Forums - Debt collectors

 

Amend to suit, send recorded keeping a copy with your postal receipt, print do not sign your letter and come back when youo get a reply.

 

Nadolig Llawen a Blwyddyn Newydd Dda

[lostthewill]

Nothing on my credit file from them at all!! I'll be keeping an eye on that for a while now!!

 

Mind you a look at my credit file has highlighted a couple of mistakes which I need to attend to too!! bah, it's never ending!!

[postggj]

Send The Letter In The Link Given By Babybear

 

Seems A Phishing Trip By 1st Crud

[dx100uk]

pers i'd send b*gger all.

only puts a marker on your file that a mug pays attention to his spam mail.

 

dx

[babybear39]

pers i'd send b*gger all.

only puts a marker on your file that a mug pays attention to his spam mail.

 

dx

 

I disagree. 1st crud are a pain in the proverbial and need to be dealt with in the toughest of ways.

[dx100uk]

then its sold to the next DCA within a phishing list & certainly without the knowledge/complaint that it nothing to do with the OP or is invalid.

the op states they know nothing about the debt, its a phishing trip

 

ignore

 

dx