Connaught Collections UK LTD

slimone

I've been dealing with 1st Credit for over 3 years over a debt. They fail to send a proper CCA and so on, so fourth - threaten me with court / people coming over.... Finally on the way to a serious monthly offer. They sent me a letter asking how much I want to pay - fill in standing order form etc and send back. I said - no. Told them that if they take £10.00 a month for duration of debt OR until I offer more money (after possible payrise / change of circumstances) and no more correspondance, I'd set up a standing order on receipt of their account details.

Instead of hearing back - I got a letter from ANOTHER compay stating they own the debt and I need to pay THEM within 7 days or face possible further action (blah blah)....

Now what?!

slimone

slimone wrote: »

I've been dealing with 1st Credit for over 3 years over a debt. They fail to send a proper CCA and so on, so fourth - threaten me with court / people coming over.... Finally on the way to a serious monthly offer. They sent me a letter asking how much I want to pay - fill in standing order form etc and send back. I said - no. Told them that if they take £10.00 a month for duration of debt OR until I offer more money (after possible payrise / change of circumstances) and no more correspondance, I'd set up a standing order on receipt of their account details.

Instead of hearing back - I got a letter from ANOTHER compay stating they own the debt and I need to pay THEM within 7 days or face possible further action (blah blah)....

Now what?!

Bumping to see if anyone can help

leanne82duke

did you send all of the cca letters? ie the reminder etc...

slimone

Have only just received the new company's letter but couldn't remember the best way to handle them in the first instance - especially as I have an offer on the table with 1st Credit (who never actually sent me anything that was enforceable without a judge's decision!)

BlondBoy

Wouldn't worry too much - Connaught is a part of 1st Credit. They're a bit more blunt and often throw Statutory Demands about, but can be slightly easier to negotiate with.

More bluster, but ultimately the same company.

HTH.

suek15

hi ive was paying 1st credit £5.00 mth over a period of time,but it was then passed on to connaught collections,yet had a statment off 1st credit, ive written to connaught collections to find out who im dealing with and also to find out if they have a cca ,which i think they probabally dont ,i think im paying them for bank charges (late payment charges )its been so long i cant remember, i wrote the letter a mth ago still no reply ? sue

suek15

heard bk today off connaught collections they returned the £1 cheque which i sent for cca,im sure this debt is for late payment fees cant remember if its for card/loan with barclays bank should i send for SAR and if so to where should i post it to barclays or connaught collections? thanks sue

gonzo127

my feeling is that if you have no idea what is actually for you should send the prove it letter, at least then they should send some details about what it is actually for

suek15

they say the debt is in relation to an overdraft with barclays, ?

suek15

do u think i should send for a SAR

RAS

suek15 wrote: »

they say the debt is in relation to an overdraft with barclays, ?

How do they "say"?

A bank account is not covered by the Consumer Credit Act, so there is not way in which they could provide a CCA, legal or otherwise.

Send the SAR.