1st Credit back again!!!

[David963]

I have had problems with 1st Credit going back a while.

 

Originally a loan with citi that was defaulted due to redundancy (this was back in 2006),

a lot of hassle while i was at my lowest ebb and then i found CAG,

sent off CCA requests to 1st Credit who ignored it,

nothing for a while then a letter from Connaught Collections,

told them about the defaulted CCA and heard nothing for quite a while then in early 2008

i received a SD with a view to making me bankrupt.

 

Thanks to the great folks on here i filled in the forms for a set aside and waited,

I was away at a wedding in April and when i returned from the trip to a letter from the court saying that nobody had turned up

(i was not informed of the court date) and therefore the Judge had thrown it out.

 

I have had nothing but the odd statement saying you havent paid anything until a couple of weeks ago

when i got a letter from Citi telling me that they had passed the debt to 1st Credit,

followed less than a week later by them introducing themselves

and now only a couple of days later by a pay up or we are considering court action letter (the letter shows they purchased the debt in October 2006)

 

Can they go down this route again after failing to provide any documents last time?

Should i CCA them again? (they did offer to send me everything they have on me for £10 without prompting)

 

How do i find out when i last made a payment or acknowledged this alleged debt? it must be very close to 6 years ago now

 

Thanks for your help

David

[BRIGADIER2JCS]

Yes they can do all this again 1st Credit are known for getting

Citi to produce recon agreements just before a debt is about

to become stature barred together with mystery payments.

For the information you require you need to make a Subject

Access Request under The Data Protection Act 1998, this will

get you all the data held on you regarding the account.

There is a statutory fee of £10 for this and the company has

40 days to comply.

 

There is a template letter in the CAG library you can amend to

suit, the should be addressed to the Data Controller at Citi.

[David963]

Hi

Thanks for the information,

I note on the letter in the file it says to sign but put crosses through the signature, it has been a while since i was on here but previous advice was just to type your name and not sign it, has this changed?

 

I was surprised that 1st Credit offered me the information from their files for the £10 fee is this a usual practice by DCA's now as i would have had to approach both them and Citi, i certanly haven't acknowledged this debt and the CCA was not complied with at the time does this have any bearing?

 

Sorry for so many questions but thanks in advance for your help

David

[BRIGADIER2JCS]

1st Credit will only hold data since they aquired the account

so A SAR must go to Citi so £10 for not much!!!

 

Also please check your credit reference files that will give

some idea of the status of the debt.

Get these done asap then we can go from there.

[BRIGADIER2JCS]

There have been alleged instances that a DCA has ''lifted'' a signature in the

past, but sign with your current signature,if you wish make a subltle change

to it.

[dx100uk]

I have had problems with 1st Credit going back a while.

 

Originally a loan with citi that was defaulted due to redundancy (this was back in 2006),

a lot of hassle while i was at my lowest ebb and then i found CAG,

sent off CCA requests to 1st Credit who ignored it,

nothing for a while then a letter from Connaught Collections,

told them about the defaulted CCA and heard nothing for quite a while then in early 2008

i received a SD with a view to making me bankrupt.

 

Thanks to the great folks on here i filled in the forms for a set aside and waited,

I was away at a wedding in April and when i returned from the trip to a letter from the court saying that nobody had turned up

(i was not informed of the court date) and therefore the Judge had thrown it out.

 

I have had nothing but the odd statement saying you havent paid anything until a couple of weeks ago

when i got a letter from Citi telling me that they had passed the debt to 1st Credit,

followed less than a week later by them introducing themselves

and now only a couple of days later by a pay up or we are considering court action letter (the letter shows they purchased the debt in October 2006)

 

Can they go down this route again after failing to provide any documents last time?

Should i CCA them again? (they did offer to send me everything they have on me for £10 without prompting)

 

How do i find out when i last made a payment or acknowledged this alleged debt? it must be very close to 6 years ago now

 

Thanks for your help

David

 

i'd just send the failed court docs to them.

 

 

 

dx

[David963]

Just had a look at my credit report on experian and they are not mentioned!!

But i did see that they had a look at it or made an enquiry in January of this year

David

[dx100uk]

well done!!

 

dx

[David963]

well done!!

 

dx

 

Sorry to seem a bit dim but does the lack of anything on the report have a special significance

David

[dx100uk]

prob sb'ed or out of time [already defaulted more than 6yrs ago and dropped off]

 

very good pointer.

 

 

basically you've gotten on a phishing list

 

 

dx

[David963]

Thanks for your help,

 

So what should my next move be? do i wait and see if they come back again or send them a letter.

 

Just to be sure i checked equifax and nothing on there either

 

David

[BRIGADIER2JCS]

I agree send them copies of those docs with

just the statement that you do not acknowledge

any debt to them or any other company.

[citizenB]

I guess you could as already advised, send them a copy of the General order you received when the original claim was struck out.

 

There must have been a reason they didnt turn up at court in respect of the original claim. Whilst you had a good reason in that you were not aware that there was a hearing.

[David963]

Another letter this morning, identical to the pay up or we are considering court action but with an added we really want to help you so if you pay now we will give you a 20% discount.

[dx100uk]

hehe they know its not owed legally ...BEGGING you for money

in the hope you dont know your rights...

 

unlucky for them HAHA

 

you found CAG!!

 

ignore them now

 

dx