Odd telephone call from First Credit Limited

Hay_2

What a load of rubbish.
This company are chasing us for a debt to Powergen that we don't even owe.They are ringing the home phone and both mobiles every day of the week inc the weekends and as late as 9.30pm plus texting.They're refusing to supply proof that we owe the £190 for a house we moved out of 5 years ago and are totally harrassing us.
I'm SICK of that stupid automated recorded message they keep leaving on all our answer machines and sick of not being able to answer our house phone:mad:

darich

Sweetstuff1234

Call me cynical but...........

• You've asked people to contact you so you can help.......are you actually 1stCredit in real life? Perhaps looking for additional details from those in debt by loitering in a place where they come for support and advice?
• Not one person has a good word to say yet you claim they're "by far a really good company".
• That poor English also ties in with the poorly formatted letter that people often receive.
• Only one post and offering lots of help to needy strangers...complete with laughing smiley? I don't think these people are laughing.
• You've accused many members with financial difficulty of being thieves
• You're one typo away from offensive language....I'm sure it's the only deliberate typo amongst the several in your post.

At least i know how to treat 1st Credit should they ever come after me for an unpaid debt.

Debt_Free_Chick

sweetstuff1234 wrote: »

2 - If your a homeowner your fcuked...they will take you to court and you could lose your home - sorry peeps but thats the way it is.

This is not completely true. The most they can do is to apply to the Court for CCJ and ask for "payment forthwith", which means that the debt becomes repayable, in full, there and then.

If the debtor cannot pay the debt in full, then they can return to Court and apply for a Charging Order. If granted, this then means that when you sell the property, that the debt will need to be cleared on completion - if there's sufficient equity in the property, then that equity repays the debt.

Alternatively, the debtor could save up over years, pay the debt and then get the Charging Order removed.

You do not lose your home, however. It's only a Charging Order - not bankruptcy.

Now for all those people that rent- HAPPY DAYS - They will not, cannot be bothered to take your to court - therefore dont pay them.

You mean that FC don't bother to get CCJs for those who rent? Are you sure about that?

Homework

Sweetstuff, Please read the threads again.

Statutue barred debts, debts that don't exist, unethical behaviour.

The law is in place to deal with both sides of these disputes.

It doesn't matter how long the company give you to repay the debt if you don't have a legal debt to repay in the first place.

richt71

Debt_Free_Chick wrote: »

This is not completely true. The most they can do is to apply to the Court for CCJ and ask for "payment forthwith", which means that the debt becomes repayable, in full, there and then.

If the debtor cannot pay the debt in full, then they can return to Court and apply for a Charging Order. If granted, this then means that when you sell the property, that the debt will need to be cleared on completion - if there's sufficient equity in the property, then that equity repays the debt.

Alternatively, the debtor could save up over years, pay the debt and then get the Charging Order removed.

You do not lose your home, however. It's only a Charging Order - not bankruptcy.



You mean that FC don't bother to get CCJs for those who rent? Are you sure about that?

LOL...you're wrong debt free chick (apparently!). Just had them on the phone saying despite offering no proof of debt and they think it's from 96 they're aking me to court to reposess my house...which as I told them that should give a judge a laugh...they out the phone down. Which was a shame as I was really enjoying he conversation.

johnnynonails

hi all just need a bit of advice really , i had a tsb credit card and couldnt afford to pay it so now ive been passed on to 1st credit , she wants me to pay the full balance in the next 7 days if i do that she will take a grand of the amount , but if i cant then the grand stays on, then i asked if i could pay monthly and she said yes but the debt need to be paid in 10 months , now even that i couldnt afford, my letter says that it can go to attachment of earnings , or the bailiffs can come to my home or a charging order against me , now im not saying i dont own the debt cos i do and i will pay it just need more time than 10 months, and after reading the posts on ere im still baffled can they repose ur home thanks in advance jill

johnnynonails

hi all just need a bit of advice really , i had a tsb credit card and couldnt afford to pay it so now ive been passed on to 1st credit , she wants me to pay the full balance in the next 7 days if i do that she will take a grand of the amount , but if i cant then the grand stays on, then i asked if i could pay monthly and she said yes but the debt need to be paid in 10 months , now even that i couldnt afford, my letter says that it can go to attachment of earnings , or the bailiffs can come to my home or a charging order against me , now im not saying i dont own the debt cos i do and i will pay it just need more time than 10 months, and after reading the posts on ere im still baffled can they repose ur home thanks in advance jill

AndiiT

Hi,
Only this morning I received a phone call from 1st Credit advising me of an outstanding debt, whilst I do not deny the debt I was extremely concerned at the attitude of the (female) adviser, especially whilst I was trying to explain to her that although I could not pay the full amount right away I was prepared to enter a repayment plan. She was very arrogant to the point of becoming nasty and also would not accept my offer of partial/structured repayment.

As a result I did some searching around on the internet and found this forum, the upshot is that 1st credit will shortly be in receipt of a letter of complaint a complaint also has been registered about them with both the OFT and FSA.

Andrew

ActsOfKindness

Even though I am a site member, I too got here by Googling a phone number of a call I had today that was silent and hung up on me. Thanks to the member who put the combination of numbers in! I now know it's 1st Credit, who we do have the pleasure of dealing with. Last Thursday, I think we got the same woman as Andrew, who was speaking to my husband like he was a lump of poo on her shoo. I could tell from the moment I answered the phone she was arsey and had an attitude problem. Big mistake. I'm Welsh. I was born clutching the Handbook of Arsiness. She asked for my husband snottily, and when I asked who was speaking please she snarled "Is he there or not?" Hearing how she was speaking to my husband I called her every name under the sun in the background and she was asking him to tell me to shut up, that the call was being recorded - er, like I care! I think I taught her some new profanities! She even had the cheek to ask us what we had spent the money on, thinking we didn't have to pay it back! My husband told her it was none of her damned business what we had spent it on (our former business), we hadn't borrowed it from them, we borrowed it from Lloyds TSB and if 1st Choice were stupid and greedy enough to buy a debt from someone who is now on the dole - then more fool them. Well, it's backfired on them big time, as for my husband it was the final straw and he's going to declare himself bankrupt. And he phoned them back to tell them that he wanted it on record that it was specifically because of this woman's attitude, so I hope her "technique" is worth the money it costs her bosses! I'll also be putting it in writing to her bosses, just to reiterate the point! We've never shirked our debts before now, three years into losing our business, which was our only "crime", although you'd think we'd murdered or molested someone the way we're spoken to and treated sometimes. Three years of taking it is a long time, and the worm is turning......

caztaly

my son recieved a letter from this company saying that they had brought this outstandin loan from alliance & leciester when he rang them to say that he had no knowledge of this account they called him a liar and that they would give him 7 days to think about what he was going to do about this debt, we passed it on to his solicitor who has wrote to 1st 4 times and has had no reply from them, we have wrote to them twice and also have had bo reply, we have rang them this morning and have now been told that they have taken his address off their mailling system and that they have put a trace out for him, to which he replied that his address is the same, he has now neen told that they will look into it.