Letter from 1st Credit

jac261

I'm looking for a bit of guidance please.
We've been getting letters from 1st Credit sayin we owe money which was passed from a bank, at first we ignored them but as we kept getting letters we decided one day to ring them.
They werent overly rude but asked if we could get the money from family or friends to pay them off- erm NO!
We also asked them to prove the debt (as they could have been anyone really) of course they didnt and we didnt hear from them for ages.
Recently we got another letter from them saying that they have been monitoring our credit activity and that our financial position has changed and to ring them within 7 days (the 7 days has now passed- opps)

We have rang the bank that 'apparently' sold on the debt but they have no records of the account or the debt??

Im wondering what we should do next- do we send a CCA request and take things from there?

Has anyone else had dealings with 1st Credit and what was your outcome?

Thanks for reading x

Gordon_Hose

What did they say the debt was for in their letters?

No need for a CCA if the debt isn't yours. Send them the prove it letter.

Stop speaking to them on the phone, they've already broken the rules by asking you to borrow the money. Which shows them up for the lying scum they are. If you keep on talking to them via phone, they'll carry on lying and will say anything to get you to pay, whether the debt is yours or not.

jac261

It's a debt from a bank, they include an account number too (we did bank with them many years ago I'd say 7+ years ago but as it was so long ago we dont have any statement etc to check the a/c no.) the debt is for £600ish

We dont speak to them on the phone anymore as Ive read how rude and nasty they can be and if anything did come of this at least we would have letters to back ourselves up.

Whats the prove it letter?

Gordon_Hose

Here you go...

http://forums.moneysavingexpert.com/showpost.php?p=11570893&postcount=2

jac261

Thanks

Am I better off sending that letter then?

mitzy2010

Hi i have had exactly the same problem, for a debt which i stupidly assumed was mine!! i paid it for 4 years "assuming" it was mine. it was not mine, and now i have proof, now time to reclaim the money. They are bullys and chancers. Dont be silly like me, send the prove it letter and they will disappear.

Good luck!!

boogiemaster

If its not listed on your credit report then its statue barred and you don't have to pay it.

Gordon_Hose

boogiemaster wrote: »

If its not listed on your credit report then its statue barred and you don't have to pay it.

Not necessarily.

An account will drop off after 6 years regardless. Payments could have been made 3 years ago, but the account will still drop off.

jac261

Thank you for the replies. I'm sorry to see there are other people in the same situation

I'm still unsure as to which letter would be best for me to send?

fermi

I would say perhaps this one.

http://forums.moneysavingexpert.com/showpost.php?p=34906257&postcount=5

FTW

Gordon_Hose wrote: »

What did they say the debt was for in their letters?

No need for a CCA if the debt isn't yours. Send them the prove it letter.

Stop speaking to them on the phone, they've already broken the rules by asking you to borrow the money. Which shows them up for the lying scum they are. If you keep on talking to them via phone, they'll carry on lying and will say anything to get you to pay, whether the debt is yours or not.

Agree with that - First Credit just want to be paid, and they certainly don't care about who might owe the debt.

Best thing to do is exactly as the above advice states - never speak to them on the phone, never provide a signature (this is especially important!), and if you must correspond with them, do it in writing all the way.