1st credit chasing lloyds OD 'debt'

[zohra]

Hi AllI hope someone can assist me to respond to 1st Credit.

 

they bought my debts from LLoyds tsb which was under dispute for years.

 

In November/December they contacted me to highlight that they are DCA buyer of debts.

 

after so many letters, warning etc etc, I told them in writing for a CCA request, added 1 pound.

 

since than they missed the deadlines of the debt being unforceable (12+2 days).

 

I have just received a letter from them apologising for the delay but they are unable to obtain a copy of my CCA as it is not regulated by CCA 2011.

 

I am replying to them highlighting that I am still entitled to obrain a CCA or reconstructed agreement

with prescribing terms until than is still unenforceable.

 

Furthermore, they state that they will send statement of accounts which to be honest,

 

I want them from 2001. as they stated in their letter that my account was opened in 2001.

where there is discrepancies in my credit report shows that my account was opened in 2009 which is incorrect

, it seems that some DCA buyer alter your credit report

 

"they have re-aged the debt with inaccurate information.can someone advice me as follows

 

1) the fact they bought the debt without accurate paperwork seems in breach of OFT guidance

 

2) that they stated the opening of my account 2001 seems that they should have some evidence?

 

3) that my credit reports shows a re aged of different account opening is a violation of FCRA?

 

Help will be appreciated,

 

I am sending a recorded letter tomorrow and need to ensure I am applying right template and facts

 

Many thanks

[oleg]

Hello zohra and welcome

 

Was this a current account overdraft by any chance?

Ask them for a copy of the overdraft facility agreement.

 

You should send Lloyds a SAR [£10 postal order] if you want back-statements.

 

They may deny holding beyond 6 years but often manage to produce in the end.

 

A debt purchaser will usually replace the original creditor on your credit file, but are not allowed to alter the default date.

 

The original entry will show as settled.

 

May I ask why you contacted 1st?

 

Debt purchasers are often best left alone unless you are worried that they might be about to take you to court.

 

Are 1st giving you grief?

 

I am sorry noone picked up on your query earlier and I will probably not be able to return myself

but now that I have bumped your thread, others should help you.

 

Oh, a final point

- don't get into detailed complicated argument with 1st,

 

keep things simple and play your cards close to your chest.

 

Hold onto your ammunition until you need to use it,

in case they decide to take legal action.

[zohra]

Hi oleg

 

yes this is a current account overdraft that was opened in 2001,

 

my credit report shows account opened in 2009.

 

i have all bank statements from 2003.

 

what the opening date of the current account?.

 

1st contacted me last year with so many harassing letters.

 

than in december i have asked them a cca,

 

they still did not respond until last week.

 

they stated that my account was not covered under cca 2011?

 

which does not exist hence they cant provide cca

[dx100uk]

correct theres no CCA to return.

 

so your have an overdraft that remains unpaid

that Lloyds have sold to 1st credit

 

when was the last time you used it please

 

dx

[2Grumpy]

correct theres no CCA to return.

 

so your have an overdraft that remains unpaid

that Lloyds have sold to 1st credit

 

when was the last time you used it please

 

dx

 

I disagree that there is no cca to return. they might respond differently but I understand that they MUST respond.

 

Lloyds haven't responded to my own CCA request for an overdraft. They told the FoS that this was an oversight - but still no response

 

Their assertion that an overdraft is not covered by the consumer credit act is an interesting response ...