Confused with 1st Credit, asked for credit agreement, received statements?

sketchingkari

Hi all, thanks for all the help you have all offered so far with this one.

We received a letter from 1st Credit a while back, asking us to pay up on a debt which I have no knowledge of, as advised I sent them a 'prove it ' letter asking for the credit agreement.

This morning, we have received a pile of statements, but there is no credit agreement and these statements do not show on them where they are from? So we are still no closer to understanding what this debt is.

With the statements is a letter from 1st Credit saying we need to contact them to make payment asap, but there is no way I am going to make a payment on an account I still dont know where it is from.

What should I do next do you think? If it is true, that we do owe this amount, and need to set up a payment plan, then i'll organise it and clear as soon as I can, but I need to know who the debt is with and what it was originally for first :mad:

fermi

What sort of debt is it? Do they at least say that?

If you know nothing about the debt, then you should really have sent this letter instead.

---> Prove it letter

sketchingkari

Thank you, that is the letter which I sent and the reply was to send me these statements, it doesnt say what the debt is for, I can only assume credit cards as that was all we had.

I have looked through our credit reports on experian and it seems to be an old Halifax one, but although we defaulted on it years ago, it is showing on the report as satisfied, so I am muchly confused.

I have no issue in repaying the debt, but would prefer not to deal with these people.

Should I contact Halifax direct do you think?

fermi

sketchingkari wrote: »

I sent them a 'prove it ' letter asking for the credit agreement.

sketchingkari wrote: »

Thank you, that is the letter which I sent and the reply was to send me these statements,

Nowhere in that letter does it mention credit agreements. :huh:

Just proof that the debt is yours and that you are liable for it. Which may be a credit agreement, but can also be other evidence.

If the statements sent do not prove the debt is yours and where it is from then you may wish to respond pointing that out with something like the letter in this link.

http://forums.moneysavingexpert.com/showpost.php?p=45992721&postcount=3

You could alternatively formally request a copy of any credit agreement under the Consumer Credit Act. But the problem with that is legally they are not obliged to supply an actual signed copy. They can get away with sending a reconstituted unsigned one, which would likely prove nothing. Plus only the actual debtor can technically make that request, so by doing so you would make 1st Crudit think the debt is yours but you are just trying to avoid it.

chanz4

halifax, so is it overdraft? if so cca not apply

fermi

"I can only assume credit cards as that was all we had."