1st credit - the saga continues

devonsdreamer

The debt has now been passed to connaught as 1st Credit Refuse to acknowledge any of the offers of payment I have made does this letter sound ok- any suggested amendments



You have stated you are now recovering a debt passed to by 1st Credit from Barclays bank.
You state your intention to issue a Statutory demand as you are not aware of any reason for non-payment. The reason no payment has been made is that 1st Credit have NOT PROVIDED me with a methods to pay them. I have contacted 1st Credit by letter offering payment on nine separate occasions and requesting either giro slips or bank details to enable me to set up standing order payments. I have sent each of these letters by recorded delivery and have kept both copies of the letters and proof of receipt. I have also tried to make a Full and Final settlement on Two separate occasions.
Each one of these offers of payment and request for a method to enable me to pay has been met with correspondence asking me to telephone them even though I have stated clearly I wish to correspond by letter only as I find speaking on the telephone stressful. I am willing to make the payments I have offered if someone will supply me with either Giro slips or Bank details to enable me to do so.
I have been dealing with another DCA who was able to commence receiving payment for the debt after the first letter they sent as they supplied me with the details to enable me to do so.

fermi

Maybe add something like this in.

As you are no doubt aware, the OFT Guidance on Debt Collection considers "pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so" to be an example of "unfair practice" and to constitute "oppressive behaviour" or even an example of "harassment".

Furthermore, "failing to refer on to the creditor reasonable offers to pay by instalments" is considered to be a "deceitful/deceptive" and "unfair" practice.

Any continuation of this behaviour WILL result in a full complaint to the OFT, enclosing full evidence of your breach of the guidelines.

devonsdreamer

I sent a harrasment letter to 1st credit and this lovely intention to issue stat demand was the response to that- was thinking of offering the F&f Settlemnet again in this letter but increasing to 50% of the money owed as the other DCA we are dealing with has accepted token offers but refused the F&F offer- would that be a bad idea?

fermi

If you continue to make fair offers, then what else can you really do?

How much is this debt for anyway?

What was it for?

Deep_In_Debt

Can we start a 1st Crudit/Connaught fan club? Bagsy me be honorary member!

devonsdreamer - I don;t think that would be a bad idea - just p them off as much as they have you, they will accept eventually. The weird thing I found with them is that they send out SD's, play games etc for months but they then eventually accept what you offered them in the first place. Just takes ages, and lots of courage.

Good luck!

devonsdreamer

£1268 it was from the joint overdraft we had before I went Bankrupt- Barclays would not allow hubby to have the overdraft added to his own account and pay it off t got sold on to 1st credit. The other debt he has is also from a joint overdratft and is for 1426 that is the total sum of our (his) debt now and his only asset is a car valued about £3500 tops that I use for work

fermi

Rings a bell. I think we have gone over whether these can be CCA'd before.:o

devonsdreamer

yes - it was decided CCA was not applicable-as it is an overdraft. Seems for 1stcrudit commonsense is not applicable either

Dez-Titute

Hi DD ,

Great resposne,with a touch of my SOH,you keep up the good work & remmember Dyslexicia Rules KO.

I know I jest and have every sympathy but what a great post.You must have a top of the range spilll chicker
Keep Posting with attitude
Cheers DEz

fermi

I've moved Life is Hard's post and reply to a new thread so that they can more easily get replies on their own situation.

It is now here: 1st Credit - Now recieved statutory demand

devonsdreamer

Ok so we now stand at connaught offering a discount of 25% on the debt

They have given us till 13th aug to pay but not provided us with details to pay and state if no payment is recived they will serve a SD for bankruptcy

WE could probably borrow enough from family to pay and another member has provided us with connaughts bank details so will paying it be the end of it all

The wording on the letter states full and final satisfaction- is thatthe same as settlement?

Any advice on what to do-