1st credt

longforthesun

We have a debt with MBNA that was sold to 1st credit a couple years ago, we were paying them until last jan when we offered them a F&F settlement. They were only offering a 10% reduction which we could not afford however on another debt with 1st credit they settled for a 40% reduction. So we tried a few times to come to some agreement but couldn't.

Now knowing the credit card was taken out prior to 2007 we thought we would go down the CCCA route in the hope that we could get a better F&F settlement with them.

Roll on 12 months and we haven't paid them a penny nor have they produced a CCCA. Now my understanding is this account is in dispute therefore they can not chase for payment.

In the last month we have recieved a few letters and a couple of texts.

Now I am going to write to them and let them know we haven't paid as the account is in dispute.

I want to put in the letter some guidlines from the OFT that it looks like they have breached.

2 letters are not from 1st credit but from DHS and Connaught Collections. They are 1st credit as the address they use is almost the same. The OFT says:

using more than one debt collection business at the same time resulting in repetitive and/or frequent contact by different parties
(in my eyes we have recived 3 letters from 3 diff sources in a month)

and

not ceasing collection activity whilst investigating a reasonably queried or disputed debt.

My question is does anyone think that it is reasonable for me to point these out to 1st credit along with the fact they have not fufilled out request for a CCCA 12 months after we requested it.

Thanks

FTW

You don't have to point out anything to 1st Credit or to Connaught - don't give them the courtesy of further correspondence from you.

I'd just report both to the OFT, Consumer Direct, and the Financial Ombudsman Service for the reasons you've cited.

longforthesun

FTW

I think you may be right.

Thanks