1st credit requesting medical evidence

[nuttyblond65]

Hi,

don't know if I'm in the right forum but

 

I could do with some advice on exactly debt collectors can ask you for.

 

I defaulted on a store card (I think) a few years back and

 

have been paying an agreed amount monthly to Mackenzie Hall.

 

A week ago I received a letter from 1st Credit stating that they had recalled the debt

and ordered Mackenzie Hall not to collect it anymore.

 

They asked me to ring them to arrange repayment.

 

Due to mental health problems and other health problems

I emailed them telling them that I don't talk to collection agencies over the phone due to my health

and that I would continue to pay the monthly agreed amount as I had done with Mackenzie Hall.

 

I received a email back today asking if I would send medical evidence to back up my claims

and that they'll deal with it from there.

 

Sorry if this is long winded,

but I just wanted to know what my rights are,

 

do I have to send medical evidence,

as this is not going to change how much I can pay each month.

 

Thanks for reading any help would be much appreciated.

[dx100uk]

they have NO RIGHTS WHATSOEVER TO ANY PERS INFORMATION.

 

one wonders WHY you are paying a DCA anything for a debt?

 

have you ever sent them a CCA request

 

to prove that they have the LEGAL PAPERWORK

 

to demand ANY money from you?

 

just REMEMBER

 

DCA's ARE NOT BAILIFFS

and they have

 

NO SUCH LEGAL BAILIFF POWERS

 

what is the debt all about? tell us.

 

if this on your credit file?

 

dx

[Jam_Buttie]

Medical evidence? Send them a used plaster.

[fkofilee]

1st Credit are the Reigate Monkeys in my mind.

 

DX is right... The cheek that they are asking you for medical evidence because you won't talk over the phone...

 

It's your RIGHT to be dealt with by letter under the guidelines set by the OFT. These cannot and shouldn't just be over looked.

 

A CCA request is perfect for this scenario... 12 + 2 days (working)

If they attempt to palm you off then respond saying that they have these 12 days only and that it's their responsibility when purchasing this debt to make sure they have the relevant paperwork.

[Stigman]

Typical DCA to shoot themselves in the foot, they press & press even when a payment is being made, the op goes onto the internet for advice & the DCA will in the long run end up with nothing.

 

As above, send Ist Crud a CCA request, Template letter is here...http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

Enclose a £1 Postal Order, send via Recorded Delivery & print off the Royal Mail Track & Trace Receipt.

1st Credit have 12 + 2 working days (the +2 working days are to allow for postage)

 

When/if you get a response, then please remove all personal identifiers including barcodes, scan into your computer and post up for further advise.

 

If no response after 12 +2 working days, pop back with an update as a letter placing the account in-dispute is needed to be sent.

 

Stigman

[ericsbrother]

You have told them that you dont wish to communicate by phone and that is that. Now they have acknowleded that fact futher telephone calls will give you the right to sue them for damages under the Equalities Act. When you send your letter demanding a copy of the CCA and other things, remind them of this as well.

[nuttyblond65]

Thanks everyone for your advice, I will send them cca and let you know what happens.

[PaulW922]

I am no fan of 1st Credit. My guess is that they have not read your email properly and think that you are saying your state of health means you should not have to pay at all.