1st Credit Ltd Unexpected Letter

Astarte_2

Hi,

I'm posting on behalf of my partner who received this through the mail a week or two ago:

Dear Sir/Madam,

1st Credit Ltd is attempting to contact the above named regarding a personal matter. Your address has been supplied as a possible address for our subject who was previously resident at..........

Please contact our offices immediately on telephone number 0870 164 2056 and quote the above 1st Credit reference number at which time further information can be provided.

If you are not the individual we are attempting to contact or have information that may assist please call us at your earliest convenience in order that we may correct our records.

If no response is received within 10 days of issue we will assume that you are the individual we wish to contact and will of course ensure that all relevant correspondence is sent to you.

We ignored it, then today we received this:

Dear Sir/Madam

Client:
Debt:
Client Account No:

Our client has advised us that the above sum remains unpaid.
Our client has therefore instructed us to take appropriate action to recover this debt.

Please take this opportunity to make payment. Failure to do so will leave us no option but to recommend Legal Action. (Their capitalisation, not mine!) This may incur substantial additional costs.

- Please send your payment direct to this address
- Ensure you quote the 1st Credit reference number when making payment
- Cheques/Postal Orders should be made payable to 1st Credit Ltd

DO NOT UNDERESTIMATE THE SERIOUSNESS OF THIS MATTER (Again their capitals, not mine)

Telephone us on blah blah blah your reference is.....



What do you guys think we should do?

LinasPilibaitisisbatman

Does your partner owe the debt?

ALIBOBSY

Have a look over on the debt boards, there are a number of different approaches to dealing with these debt collectors depending on how old/what the debt is.
Most importantly all the debt charities and every advice forum advise NEVER speak to these companies over the phone. They can and do lie and threaten over the phone and if they get your phone number will harass you shamelessly. They frequently flout the law and OFT guidelines (which is why these sort of companies have had so many fines and why trading standards have so many complaints about them).

Have a read over on the debt boards about statue barred and CCA requests which may help you. Obviously if the debt is nothing to do with your partner at all you just write back and say it is not your debt and you instruct them never to contact you again you don't have to prove anything to them. If they do make a complaint to the ombudsman.
It is up to them to prove they have the right identity to pursue a debt, but frequently then send out fishing letters to people with simular/same names in an area, despite the fact that this breaches debt collection guidence.

Good luck

ali x

Astarte_2

Hi all,

We've now received 3 letters (all at once) to 'The Occupier' from Apex Discovery Solutions and Apex Credit Management Ltd, are they related to 1st Credit or could it be that because 1st Credit had no success (we didn't contact them) they've sold the debt on? Or does this mean it's been escalated?

Am still nagging my partner to contact the bank, it still hasn't been done!

JWT_2

Hi Astarte,

Is this actually your bill or not?

If not there is a template letter found on this website, just search for the debt health plan and you'll find it half way down the page under the heading "Being chased for a debt that's not yours?".