Odd telephone call from First Credit Limited

gollipops

help, been getting messages on mobile from these first credit people too, very frightening. Glad found this website cos don't know what to do, as far as aware have no debts but the thought of police involvement, as threatened to one person is horrendous. I am severely disabled and the thought of me and my wheelchair being carted off keeps me awake at night, seems proving innocence does not deter these thugs. So far only contact has been on mobile, will refuse to talk on phone, hope someone has suggestions

geordie_joe

gollipops wrote: »

help, been getting messages on mobile from these first credit people too, very frightening. Glad found this website cos don't know what to do, as far as aware have no debts but the thought of police involvement, as threatened to one person is horrendous. I am severely disabled and the thought of me and my wheelchair being carted off keeps me awake at night, seems proving innocence does not deter these thugs. So far only contact has been on mobile, will refuse to talk on phone, hope someone has suggestions

Try not to worry about it, it is very unlikely they will come round to your house. If they knew where you lived they would be sending letters too.

The police won't get involved, unless you have committed a crime. If you had committed a crime you would be getting policemen knocking on your door not calls on your mobile.

You are right to not talk to them on the phone, make them put whatever it is they want to say in writing. You may find they can't do that because they don't know where you live.

BTW, have you any idea why they are calling you? Have you actually spoke to them on the phone, or just had messages left?

gollipops

thanks for reassurance, only mobile calls so far but have always been on electoral register so expect letters next, at least then will know what is going off. Have no idea what it is about, missed first call and phoned them, wouldn't give any details as they were extremely rude and refused to identify themselves. All can think is had a letter 4 years ago from another company regarding something called Brittania music club, which I had never been involved with, requested details, any contracts with signature, gave them 4 weeks to answer never heard again. Concerned may be victim of I.D. theft as cheques posted to my bank with paying in slip went walkabout 2 years ago, turned up altered and cashed through false bank account, suppose they would have had enough details to grab my identity. Was going to move to adapted bungalow but reading this site seems that gives fraudsters best chance. Cheers for replying

antonia86

I have today recieved a text message from these guys from 07781 472651. It said 'Please call 1st Credit urgently on 0870 164 2047 quoting reference ******* or reply to this message and we will call you back.'
I have no idea why they would be chasing me, I work for a high street bank and have not defaulted on anything. I called the number and gave them the reference and the asked for my name which I gave - I have a triple barrelled surname but only gave part of it - and then they asked me for my date of birth. I told them that I would only give them any further details if they told me exactly what this was regarding but some arsy c*w told me they wouldn't tell me and demanded my DOB again, I refused and she told me they would be writing to me then and hung up. What on earth? Anyone heard about the text messages? Is this a scam? My financial situation can affect my job so this has rather worried me. Any advice would be greatly appreciated.

idur

Saw this and had to sign up to post. I had a call from these idiots today asking for someone I had never heard of. Explained it to them and they said I may need to have the name disassociated from my own by the council. Looked into it but couldn't find anything but writing to credit agencies, so presume it was just some kind of tactic. Anyway they said they were going to write with details.

After a cursory check of the electoral roll I discovered that the name I believe they were looking for actually resides in the same numbered flat in the block next door.

If I do receive a letter then I am going to write back threatening legal action on the basis that they were negligent in causing me distress and cost me in the order of £20 checking that this person was not on my credit record (wasn't).

I suspect that something similar applies in your case!

stungbylloyds

Hi,

My ex got a letter from 1st credit at his address, where I have never stayed, claiming to be collecting debt on behalf of Lloyds TSB credit card.

When I called them yesterday at 4.50pm, I got a really rude little upstart telling me I was owing the credit card £1200 and had not been making repayments. I thought I had so I told him I would check my statements and get back to them. He then interrupted me and said if I can't pay the full balance in 7 days, I would be taken to court. He then proceeded to ask me details regarding my employment and when I told him I work as a credit controller, he laughed at me. He then went on to tell me I would have a CCJ registered against me, clearly not taking into account I live in Scotland where there is no such thing as a CCJ. At this point I started crying with the shock of it all and was told 'The waterworks don't work with me love'.

After the call, I checked through my bank statements and sure enough, my direct debit had been cancelled back in Jan and so I am due money to my credit card, but I have had no letters or correspondence from Lloyds regarding this.

I called back 1st Credit this morning and spoke to another rude man. He would not listen to what I had to say and told me they would not accept an instalment plan, even though I told him I could have the debt cleared in 4 months. This, apparently, is not within their guidelines. At this point I told him to send the account to a solicitors as there is no way I could have this paid off in full in 7 days. His response to this was, 'Well we could accept the balance to be cleared in 2 months' and when I told him this was impossible he became very very rude and said 'See you in court'. But! When I asked him, should I make a payment of £300 at the end of the month, he asked for my card details to keep on file which is highly illegal!! When I refused to do this he once again said 'See you in court'.

Is there anything I can do to stop this going to court as I have told them I can pay this off in instalments and the balance will be clear in 4 months time?

RoosterBooster_2

The current President of the CSA is Najib Nathoo, a director of First Credit Ltd.

Please make sure you do your homework before complaining to CSA since you are not going to get anywhere whilst the CSA is run by this chappie, if ever.

RB

Ms-Pacman

not surprising though is it.....

Laney08

I'm sorry but i have been reading these post about first credit and it makes my blood boil!!!:mad:

These people are a 3rd party and have no legal standing in the original contract between you and the bank.

anyone who wants to please feel free to use attached letter:
you will probably get a response from LCS (in house solicitors for 1st credit), Let me know if so and i will sort out one for them also.
I hate these parasites!!!!! Nothing more than FSA regulated Thugs
Deffinition of Extortion : Threatening damages to a persons property (credit score) in demand for payment.

John Smith

c/o House No

Anytown, County
[ Postcodes ]
Non domestic, without UK
ALL RIGHTS RESERVED
Reg Post No –

1st Credit Ltd
PO BOX 278
Reigate
RH2 7WB
Date:
Your reference: 12345678; 123456789**********

Dear SIR/MADAM,

Thank you for your NOTICE: 123456789********; REF 12345678 dated the 26th Month 2008 where you have confirmed that you have bought the “DEBT” from NAME OF BANK OR CARD. Thank you for settleing and adjusting this account to Zero in “the Public”. Please do not bother me any more

However if you wish to persist in your further dishonor please notice my notice ‘noticing’ your notice:

If you feel that I owe you some money, please send an invoice, stating what I owe containing an original BLUE ink signature on it from you or a representative of your company.

Could you provide a valid contract or proof of claim, with original signatures on it? A contract between JOHN SMITH and 1ST CREDIT LTD

Please produce the original promissory note that I signed, not a photocopy?

If you are unable to do so, then I insist that you cease all communication with my good self. I must point out that I charge £200 per hour for my time and my time is precious to me. 1 letter = £200, 1 phone call = £200 and this will be accountable from the very first point of contact

Failure to provide a lawful claim, or signed invoice will confirm that we have a contract and that you promise to settle any invoice relating to this matter.

Failure to provide any of the above will be a confessesion of judgment in regards to all matters contained within, and you are estopped by judgment and estoppel in pais.

I must point out that in response to your letter, I am sorry but I advise that, YOU ARE A THIRD PARTY, and as third parties have NO LEGAL STANDING IN THE MATTER, I must decline any further communication.

TAKE NOTICE: I am serving you notice that any legal Action you may try to take will be met with the following response:
A counter claim for the original amount plus three times the amount for your fraudulent activities
Be advised that any negative change in my credit file that is contributed by your company is on your full commercial liability.
Without Prejudice



signature here please ................................date here.....................thumb print here
John Smith, authorized representative and ......................................................... date ..........................................RT Thumb print
Attorney in fact for JOHN SMITH


I, ____________________________, an independent verifying third party, residing in NAME OF TOWN, COUNTY, Do certify that on ___________, a man appeared before me and that upon proper identification as John Smith did in fact swear and subscribe and did affix his signature in my presence. 1ST CREDIT LTD has 3 days to respond with the correct documentation after which this matter will be considered final and closed as per a notice of Default/Dishonor and Certificate of Non response that will be issued forthwith


_________________ ........................................................_____________
3rd PARTY VERIFIER .........................................................Seal/Print


Document Verified by:…………………………………………………………………………………………………………………………………………………………..


Document Verified by:…………………………………………………………………………………………………………………………………………………………..


Document Verified by:…………………………………………………………………………………………………………………………………………………………..

Alison1604

Very interested to read of others experiences with 1st Credit. My DH had big debt problems a few years back but we were able to re-mortgage our house and negotiated amounts in full and final settlement, also enabling us to have two charges on our property lifted.

Because things were so chaotic at the time there were a couple of companies he owed money to who were "forgotten" when all this was sorted out, but they were relatively small amounts and DH made arrangements to keep paying them monthly. All was well and peace and tranquility were restored.....until the other day when I found two letters (Dated January 08) from 1st Credit, stating that they had obtained charges on our property relating to two different debts! (MBNA and RBS) Now DH claims not to know anything about the content of these letters, he says he didn't register what they said but he has clearly been in contact with the company and is paying them monthly. On reflection, we are both now fairly sure that the larger one of the two (MBNA) was actually cleared when we re-mortgaged and, having read on here that others have been chased for debts that were already paid I am really starting to wonder about this.

I'm sure many of you will understand when I say that we both felt as if we were in a fog at the time when we were sorting out the debts, everything is hazy, but we are both fairly sure that 1st Credit was one of the companies that had a charge on the property before. Its as if they are working from old records from when the charge was in place. Neither of us had any notification prior to the letters in January of any court hearing and surely, as the property is in joint names we both should have been notified of the outcome. I know this is what has happened before.

Not sure how to fight this, we thought maybe we could do the thing where you pay £10 to get any details a company hold about a case, and do this for any companies that have dealt with these debts previously and of course check the situation re the charging orders, but beyond that I'm not sure....

I just know that I feel sick to the pit of my stomach that we are back here again after thinking it was all sorted. DH thinks it's all "Under control", I wish I could believe him.