1st Credit late CCA reply with no signature

sarainlondon

Hi,

I am hoping for some collective wisdom from this very useful forum!

I was contacted by 1st Credit in the spring this year seeking payment for an Opus cc debit of £1,500 that they claim I had defaulted on last year. 1st Credit appear to have my address details from 15 plus years ago but I have no recollection of the credit card they are referring to. I have never heard of Opus and in the conversations and correspondence I have had with 1st Credit I have not acknowledged any debt.

Having read advice from these forums I wrote to 1st Credit at the end of May this year requesting a CCA. I heard nothing until this week - nearly nine weeks - when I received a letter with what looks like a cut and paste from section 77/78 of the Consumer Credit Act with the alleged debt figure on the end.

They also enclosed a CCA with my address from 15 years ago on it but no other evidence that this pertained to me, ie no signature. They claim in their letter that they are not required by law to provide a copy of the original signed agreement but rather just a copy of the CCA.

Part of me just wants to make a full and final offer of £x per month or a lump sum just to get 1st Credit off my back - is this a worthwhile action?

I am unsure what my next step is so I'd really appreciate some guidance.

Happy to provide the letters if that would help.

Thank you in anticipation!

izools

If the alleged debt is that old and you haven't paid towards it or otherwise acknowledged any form of liability for it in the last six years it's statute barred anyway, credit agreement or no.

callum9999

Why on earth would you want to pay £1500 if you don't owe £1500 just to get someone "off your back"? From what you described it doesn't look like they are even putting much effort into pestering you for it!