Odd telephone call from First Credit Limited

twinclaire_2

Hi all i have had loads of trouble with these people, they phone me up every other day and also ringand put the phone down on me

Last year a debt collector called lowel kept calling me saying i owned £153 i told them i didnt owe it, because they harrased me so much i paid just to get them of my back. Thats wasn't the end!!

This year 1st credit started to phone me for the same debt I told them i didnt owe anything and that i paid the debt just out of harassment, anyhow they too now are doing the same even though i sent the proof up showing the payment, they are bluntly calling me a liar, Lewel states that they never recieved my money even though the bank has proof they changed my cheque, I have asked for all correspondence about this debt to be forwarded on to me they say they have none, any way i taped the last call i did try to be nice.
twinclaire
http://uk.youtube.com/watch?v=k3nBXyn8aZ0

uk121

Laney08 wrote: »

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:…………………………………………………………………………………………………………………………………………………………..

Hi Laney
Thats a great Letter !
Are you a solicitor ?
Seriously though we have just had an experience with 1st credit.
Having agreed a payment plan with Barclaycard (which payments we kept up)
We receive a letter today from connaught Collections which is part of 1st credit.
Letter states the following :

we have been instructed by barclays bank to recover this debt.

It is now our intention to issue a statutory demand under the insolvency act 1986 (bankruptcy), as we are unaware of any valid reason for your non-payment (not true as payment plan is kept upto date )

Please contact us to arrange a mutually convenient time and date for service.

Should you fail to contact us within seven days then a statutory demand will be issued without further warning.

---

So how can this be actioned ?
Can anyone advise on this please as we feel completely let down over this balance.
Yes we did borrow the money on the CC but lost our work due to redundancy and partners ill health and we always communicated and paid every month just for barclays to go and 'sell' this account to 1st credit .

What rights do we have as speaking with our counties trading standards, it appears that this type of letter does not amount to causing distress !

Any help would be great !

Thank you in advance


David

shaw3029

hi, just after abit of advice...
The backstory: Had an account with lloydstsb over the years, emigrated to canada dec 07, closing my lloyds account (or rather i believed i did) when i went in to close my account, i was told it had to remain open so the last transaction on my debit card would be processed. i explained i would no longer be in the country anymore, to which i was told i need not fret as the account would be closed automatically and i had nothing more to do. perfect, or so i thought...
when i returned from canada (after deciding it wasnt for me), i found i had recieved various letters from lloydstsb (to the address i had the account registered at, which was my aunts) about a charge made to my account regarding the final payments for my laser eye surgery, as it stood with the extra bank charges i owed them 529.68, the final charge coming out of the account would of been for 139, so all this was in extra charges. i told lloyds over the phone i would be willing to pay the 139 but not the rest, i heard nothing and continued to recieve statments. i decided to follow the advice of several people and claim back the bank charges and sent off a letter.
on 21st aug 08 i recived a letter from lloyds with a handwritten signature, stating they had recieved my complaint and sent it to theyre "andover customer service recovery center" and would expect the enquiry to be cmpleted within 4 weeks, i heard nothing until i recieved a letter from lloyds dated 10th dec 08, i only recieved this letter in the new year (i was away) which basically said that theyre agents had been in touch, i had failed to make a repayment programme and the agents suggested they take legal action against me. Unless i could make the payment in full within 10days.
i phoned the no. i had been given, the person on the phone (from lloyds) said the debt was no longer theres and it had been passed onto an agency and i were to take my grievences up with them. he then gave me a no. to phone. which i now know to be 1st credit. i spoke to a seemingly nice woman on the phone (she must of been new) and i explained the situation and after hearing my story she attempted to make me agree to make the payment in full by thurs or i would be taken to court. So to cut the story short, i had a go at her saying how dare she threaten me after i came to them, i pointed out that she would not be talking to me if i had'nt of phoned her. i also pointed out i didnt know who they were nor had i ever recieved any letters from them. i said i would phone her thurs to update her on the situation after i had researched things, phoned lloyds and the financial ombisman.
After that phone call i researched a few things on the interweb (seems this 1st credit company are ***) and phoned the financial ombisman. they are sending me out some paperwork so they can assist me with my dispute. unfortunatly i gave her my mobile no. they still have the old address i was registered at, but i dont intend to give them my new one.

so... what the hell should i do?
on the plus side of all this, my eye sight is now impecciable

geordie_joe

shaw3029 wrote: »

hi, just after abit of advice...

Well, my understanding is this.

1st Credit can't make you pay the money, in a court, unless they can prove you owe them the money.

The courts haven't decided if bank charges are legal yet, so even if 1st Credit could prove you owe them the debt, the courts wouldn't make you pay it back until a decision has been made.

If I were you I would ignore 1st Credit, they are not going to take you to court.

shaw3029

thanks alot

after a little more research it seems others tend to agree with this (http://www.moneysupermarket.com/community/forums/t/unfair-agreement-29370.aspx) , il also take it up with the financial ombisman and see what they say.

twinclaire_2

yes i no these creeps i was harased by these for over 6 months over a debt that was not mine, they phoned me up and the woman was quite un polite unknown to her i taped this call and put it on youtube i never heard nothing more and thats 4 months now. If any of you guys have any paperwork from these people please do not sign your name as they forge your signitature

Johnny_B_4

These 1st credit folks are claiming to have bought a debt I owe (which is ficticious) and are chasing me for repayment. I'm just insisting on communications being in writing and asking for proof that the debt is real and is mine. This will be hard for them to do! Without that, don't pay as they'll hardly take you to court without proof. If they do they'll lose.

streakybird

I cannot believe the amount of people who are in the same position...

spare a thought though... apparently I owe £10000... Thats right... 10 THOUSAND POUNDS... only i'm a woman... and they have titled the letter to a man with the wrong name on it... come on now... AT THE LEAST THEY COULD HAVE GOT MY GENDER CORRECT... im offended...

k1mmie

I am currently dealing with these morons also. I had a debt with Lloyds, but it went dormant. When I wrote to Lloyds for SAR details, they wrote back saying sorry no knowledge of any account for you. Then we got a letter from these idiots claiming on behalf of Lloyds. I sent them a SAR as LLoyds could not get the details so how could they? They sent a letter saying we have contacted our client and we will forward all the details. Never came (that was 18 months ago). However, they kept sending me threatening letters taking me to court and harrassing. I sent another SAR In October last year and they sent me the same letter back again. I pointed out that twice I had requested info and you failed to supply them and that I am now initiating that the debt be acknowledged as no longer outstanding. They wrote back again ignoring me. SO now I have sent them a letter saying thats it you have had the 12 days (+++++) and had enough. If I so much as get another letter from them I am going straight to the authorities as they do not listen. Bunch of cowboys!!!!!

Ms-Pacman

CCA them, they won't like that.
If they couldn't provide anything from a SAR they are not likely to be able to comply with a cca request.

If they do not provide the details from a cca request then you can report them for non compliance to FSA which can result in a fine for them.