1st credit limited letter..

[citizenB]

If they do make contact with you, then you should simply refer to them to the administrator of your bankruptcy. Any debts you had should have been hoovered up into that and if you have had no debts since then there should be nothing to worry about.

 

1st credit have been buying up a lot of RBS/Halifax accounts, so is it likely you had an account with either of those prior to the BR.

 

Just come back and let us know if you hear any more from them.

 

But DONT telephone them, especially if you are feeling a bit vulnerable at the moment.

[citizenB]

It could be they have a wrong trace, it has happened.

 

I am not sure how else they would have your new address - could possibly be via utitilities or perhaps an update on your credit files for the electoral roll ?

[citizenB]

Yes, if you just provide the details of your Bankruptcy then that should get them off your back. Only write to them, do NOT telephone.

[citizenB]

Hi,

 

thought I would let you know that I received an apology letter from 1st credit,

they said they were not informed by the people they bought the debt from that it was part of my bankruptcy

and should not have been passed to 1st credit ltd.

 

they were blaming the people they got the information from,

 

At least its all sorted out now, but I have kept all there letters just in case,

 

once again thank you for your help with sorting it out,

 

Don't suppose you have any ideas on how to get the council to put a dropped kerb near our bungalows

as we have to go two streets before we find one as we use wheelchairs,

 

I have sent two emails that have just been ignored..

 

just thought id ask may be someone out there in the know...

 

That is good news you have 1st credit off your back You might want to make a complaint to the OFT. Just let them know that you were pestered by 1st credit for a debt that had been hovered into a BR. 1st credit have now advised you that they hadn't been told by the Original Creditor. This would mean the creditor - who almost certainly knew of the BR have been naughty in selling the debt on.

 

As for your dropped kerbs. - Local Authority, Highway Department and your MP

[citizenB]

I agree, start at the top (or their deputy).

 

In fact, if you can obtain several names then use the scatter gun approach and send a copy to as many people as you can within the organisation !

[citizenB]

The whole point of an Access Officer is to assist disabled people's access. I have extensive experience of working with them and have found them invariably to take pride in their job and to be keen to help.

It is definitely inappropriate to start at the top. If the correct procedures fail (in this case requesting kerbs via the Access Officer), then of course one can take the matter higher, but where would we stand if, every time we wanted something of a local authority, we began with the CEO? The council would be unable to function.

Tammy, I hope you get accessible kerbs installed without delay.

I also hope your MP pays more attention to constituents' complaints than mine does - but that's another matter.

 

With respect, Councils pretty much don't function as it is. Perhaps if the CEO were to receive more complaints, then they might decide to make sure standards are improved lower down the chain of command !