1st Credit - regular payments

zenahem

Hi this is my first post and I've been reading all about 1st credit on the forum.
I received my first letter in November 2006 telling me they had taken over a debt from Lombard finance. I had taken out a loan for £3000 with Lombard in 1993 and made regular payments. Unfortunately my husband died in March 1994 and I was in a bad place for several years and did not meet the payments as I lost my house and my job.
When the letter came through the door I immediately contacted 1st credit and arranged to make regular payments. I have now received a further letter asking me to increase the payments again, which I have done although it is a struggle. The reason I have done this is my credit rating is excellent and I have a full time job and have got back to normality so I don't want anything to affect my credit rating. Looking at the posts on the forum it seems there is a 6 yr statute ban. Have I been "had"! Is there anything I can do about it?
As I am a widow approaching 60 do I continue to make payments which are £35 per month on an increased debt of £5748.60. Would appreciate any comments.

BAILIFFCHASER

Send them a copy of this letter and see what they say. Instead of send ding them a cheque for a quid post the cheque and a payment counterfoil in to

girobank
bootle merseyside
gi1 oaa. that way they will have the payment and write on the back : cca rerquest only not for account balance. This way they cannot deny recieving the cheque and if they get ratty you can produce a copy of it in court !!!


Your reference :
Client reference :

Dear sir/madam

With reference to the above account, I am writing to confirm I am not acknowledging this debt.would you please send me a true copy of this credit agreement. I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request and this should be supplied within 12 working days. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.
Please note that under Section 189 you are obliged to supply these documents whether you are the original creditor or not. I await your reply.



Enc cheque number
if no agreement is produced in 12 days then it cannot be enforced and if no reply in 30 days then you can report to the magistrates for a criminal summons.