Connought, 1st Credit, Citifinancial

[DOBBYDOG]

Well ! My CCA has gone off today Oops ! scared. Did you have a nice birthday UUN ? Sounds like you did lol x

[DOBBYDOG]

Hey , can anyone tell me now that i've taken the plunge and sent the CCA do i just sit and wait or do i have to apply to the courts to get my stat demand set aside on the grounds of awaiting CCA docs ? never thought of this !!!

[DOBBYDOG]

Pssst it's UNLAWFULLY, not illegally

CB I've just asked a question in my thread and was wondering if you could help shed some light on this for ma. Thanks. x

[Curlyben]

Hey , can anyone tell me now that i've taken the plunge and sent the CCA do i just sit and wait or do i have to apply to the courts to get my stat demand set aside on the grounds of awaiting CCA docs ? never thought of this !!!

 

OK to answer you question as stated, YES you can.

 

To answer the real question, you wont have to even consider this as so far every time a CAGger has sent a CCA request to these "people" they have run a mile.

[unique user name]

Birthday was great thanks, this morning was rough!!!!!!!!!!

Just sit and wait, This was my timing

Sent the cca out recorded on the 29th June, it was signed for on the 4th July, and on the 5th July got letter back from Connaught saying they were Cowboys (well similiar words anyway) and it was passed back to 1st Credit, and I still haven't heard anything from them yet either. And I can't wait until I have to start it all over again, I'm following Curlybens advice, you can't find a better monkey, When I first started I wanted to take on the world in a matter of days, But you are now in control of the situation, they are the ones that are working to a time limit, not you so just relax. Is your a true stat demand as mine was a just a nastyagram

[DOBBYDOG]

Birthday was great thanks, this morning was rough!!!!!!!!!!

Just sit and wait, This was my timing

Sent the cca out recorded on the 29th June, it was signed for on the 4th July, and on the 5th July got letter back from Connaught saying they were Cowboys (well similiar words anyway) and it was passed back to 1st Credit, and I still haven't heard anything from them yet either. And I can't wait until I have to start it all over again, I'm following Curlybens advice, you can't find a better monkey, When I first started I wanted to take on the world in a matter of days, But you are now in control of the situation, they are the ones that are working to a time limit, not you so just relax. Is your a true stat demand as mine was a just a nastyagram

Hi. I wouldnt know the difference between a true one and a scare tactic. It looked pretty official although could be a load of crap for all i know !!!! I sat up till 4 this am reading through your thread. Better than any soap opera ! (in a good way x )

[unique user name]

well to be honest i'm not going to profess that i know it all either, everything i have learnt so far has been from these guys, so if you ever get scared just either send pm or list it up.

Before I would have presumed what they had sent was legit, but after reading what some people receive, I knew to look carefully. And when it arrived my first thoughts were oh Bugger! (well sort off anyway)

Then just thought well I post it up and see what the next stage is.

As I was ready to post it up, i realised it was a cut and paste job, so you learn as you go along as well. But if you posted it yesterday, I will bet tat you have a reply no later than Saturday passing abck to 1st Credit

[DOBBYDOG]

well to be honest i'm not going to profess that i know it all either, everything i have learnt so far has been from these guys, so if you ever get scared just either send pm or list it up.

Before I would have presumed what they had sent was legit, but after reading what some people receive, I knew to look carefully. And when it arrived my first thoughts were oh Bugger! (well sort off anyway)

Then just thought well I post it up and see what the next stage is.

As I was ready to post it up, i realised it was a cut and paste job, so you learn as you go along as well. But if you posted it yesterday, I will bet tat you have a reply no later than Saturday passing abck to 1st Credit

Oh my god !!! how right you have all been. Got the letter from connought today saying case closed and have passed back to 1st credit. What now ? do i sit and wait or do i CCA 1st credit ?

[sequenci]

sit and wait, cca whoever chases you next.

[unique user name]

hi, thought they might close the account and pass it back, just sit and wait n ow, then whoever contacts you next, start all over again etc,

[The Lantana]

Well I've had a nasty letter from 1st regarding LTSB. LTSB CCA request was outstanding so I wrote and told them. They've come back quite confidently saying CCA now requested and then they expect me to pay up in full.

 

If (and I'd be surprised) they come back with a valid agreement I'll hit them with s85.

 

Regards

 

 

Lantana

[DOBBYDOG]

Well I've had a nasty letter from 1st regarding LTSB. LTSB CCA request was outstanding so I wrote and told them. They've come back quite confidently saying CCA now requested and then they expect me to pay up in full.

 

If (and I'd be surprised) they come back with a valid agreement I'll hit them with s85.

 

Regards

 

 

Lantana

Hi Lantana. How long did it take for 1st to contact you and what is an s85 ?

[unique user name]

hi, connaught closed my account and passed it back at the beginning of july, and i haven't heard from 1st credit yet, but as soon as i do, i will start the process again, and send them\a cca request

[The Lantana]

Hi Lantana. How long did it take for 1st to contact you and what is an s85 ?

 

They wrote back to me by return, so no messing about on their part.

 

s85 of the CCA74 requires a true copy of the executed agreement to be sent to the cardholder each time the lender renews the card - LTSB only sent me a standard mailer each time, which is not the same thing. 1st will of course disagree with my interpretation of s85, so it'll be down to the Judge to rule on who is right!

 

Regards

 

Lantana

[DOBBYDOG]

They wrote back to me by return, so no messing about on their part.

 

s85 of the CCA74 requires a true copy of the executed agreement to be sent to the cardholder each time the lender renews the card - LTSB only sent me a standard mailer each time, which is not the same thing. 1st will of course disagree with my interpretation of s85, so it'll be down to the Judge to rule on who is right!

 

Regards

 

Lantana

Arh !! i see. Yours is a little different to mine. Mine was'nt a credit card it was for an unsecured loan so i think this does;nt apply. Thanks anyway. Am going to look through any threads you have and will be watching closely. xx

[babybear39]

Hiya DOBBYDOG

 

Found your threads and read through.

 

You're getting the best advice, so sit back and wait for 1st credit to contact you, then respectfully remind them that you CCA'd connaught's attaching copy of the original CCA request

 

Good luck and have a great weekend,

 

BB

[conar686]

*Subscribing*

[unique user name]

spoke too soon regarding correspondence with 1st credit guys, as I got a letter from them yesterday, they have asked me to reply with an offer of payment, whether it be a full and final discounted, or monthly payments, either they will accept.

Ooooppps they are going to get a cca, they will not be expecting that, and the game starts all over again, this time I'm not scared, if they come back with one they do and fine I will arrange payment with them, if they don't they can whistle, but you soon realise it is your right to find this out, and that is all we are doing at the end of the day.

[Curlyben]

I'm afraid UUN that 1st WILL be expecting a CCA, they DO read these boards.

Oh well if they can't supply then they are in trouble.

[unique user name]

what i mean, is they will look at that account, and think, goodey it's her who we scared ****less before with our threats etc.. we will tell hubby if she doesn't pay more, well i'm not that person anymore, so they will not be expecting that will they

[Curlyben]

Not at all.

Remember You are CAG

[Andrew66]

!st Credit will probably say they can only supply a CCA in court. That's what they told me, wish I'd known better now as a judge would probably like to know why they had turned up without one! My debt was fairly small, I paid £15 weekly until I had a lump sum to finish it off. They are a bunch of shysters though. Still got an outstanding complaint with the Trading Standards over them.

[Curlyben]

It's a shame that they are talking complete cobblers on that score.

The DCA's should start to realise that there are a growing number of consumers that are aware of their rights and we will not be fobbed off any more.

Now if that happened to me I would report them to Trading Standards without a second thought.

 

At them end of the day if they supply a compliant CCA the I would be only to happy to arrange payment.

Try and pull the wool over my eyes with legalese and cloaking the Act and I'll fight, HARD !

[DOBBYDOG]

Just a small question.

 

Now that this debt has been passed back to 1st credit and say for arguments sake they hold the correct paperwork ie; CCA, can they just go ahead and start court procedings ? I just dont want to wake up one day and find a CCJ on my mat !!! cheers x

[Curlyben]

Dobby, this wont happen.

There are proper procedures to go through before these things get to court.

A CCJ doesn't just appear on your door mat.

 

IF they start court proceedings you will be notified by the court and have time to acknowledge it and file a defence.

Lack of an enforceable agreement is a full defence under s61 of CCA 74.

DON'T PANIC.

 

Remember YOU are CAG now and we DON't let snotty DCA's worry us