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1st Credit / Halifax Cetelem - sent SAR but they cannot provide it at this time


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Hello there

 

I'm looking for some advice re debt with 1st Credit on behalf of Halifax Cetelem. This is approx £2,000 and dates back to 2001. I don't have any statements or agreements so I sent a SAR to which 1st Credit replied "we sought to request a copy ... from Cetelem ... we have since been advised that they are unable to assist at this time and therefore we are unable to provide you with a copy of the agreement".

 

I have been paying £5 a month for years with interest frozen and from time to time get letters from them offering to discount up to 60% for payment in full. However, this debt does not appear on either my Experian, Callcredit or Equifax credit reports.

 

I am desperately paying off my debts and am on track to pay them all off in the next 2 years. I don't want this to come back and bite me in the future as I am trying to clean up my credit history, but need some advice whether to go for a settlement, or stop paying in the hope that they will not enforce.

 

many thanks

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Sorry, it was a request for a copy of the original loan agreement. I am assuming that 1st Credit own the debt cos I picked up from another post on here that Cetelem went into liquidation.

 

Not sure why nothing is on my credit reports, but I have checked all 3.

 

Thanks for replying!

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I wonder who 1st credit approached for the agreement, if Cetelem has ceased trading ?

 

This information,along with statements and other data, must surely be stored somewhere ?

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I wonder who 1st credit approached for the agreement, if Cetelem has ceased trading ?

 

This information,along with statements and other data, must surely be stored somewhere ?

 

They said they "sought to obtain a copy" and that they have "since been advised that they are unable to assist" so suspect they tried to get in touch and realised company didn't exist.

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Humm. So send the 'in dispute' letter. If you stopped paying them and they did (big, no, HUGE IF) take this to court I wonder what they would reply on....

 

Hi could you link me to the in dispute letter. 1st Credit have already confirmed in writing that no legal action will be taken and that the debt is currently unenforceable, so do I still need to send this letter?

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Hi, if you have a letter from them confirming that no action will be taken and htat they are aware that it is unenforceable at this time.. then no. No further communication from you is required.

 

Please, do keep that letter somewhere safe :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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