Has anyone here ended up just sticking 'two fingers' up to the DCA?

fermi

Tosh1 wrote: »

I guess my real motive for posting this in the first place is that I have this illogical hatred for 1st Credit, and it's my token effort at 'having a bit of revenge' back at them.

I think you will find that many people here (and on other forums) have a perfectly logical hatred of 1st Credit. :rolleyes:

On the issue of time barred debts.......

A debt will be "Statute Barred" if there has been no acknowledgement of the debt by you making a payment or in writing within the relevant limitation period.

If you are in England/Wales then the limitation period is 6 years and you should read:

Link: Factsheet | Liability for Debts and the Limitation Act (England/Wales)

If you are in Scotland then the limitation period is 5 years and you should read:

Link: Factsheet | Liability for debts & the Prescription & Limitation (Scotland) Act 1973

rog2

Tosh1 wrote: »

I also have a problem with the ethos of a business who preys on others misfortunes.

Anyway, why the question? Have you some good news for me?

I can concur wholeheartedly with the problem that you have concerning the 'ethos' of any business? such as 1st Credit.

I think that the reasons for my question have been fully, and admirably, explained by other posters, and, most notably,by the link in fermi's post.

Good luck, tosh.

stapeley

Have they got your new address ? If you have not informed them of it , they could argue that they have made reasonable efforts to locate you. You could be judged to have been deliberately obstructive. There could have been CCJ issued against you at your old address . If they do make contact, request a copy of the CC AGREEMENT , it can be done without acknowledging the debt . There are many threads on the go with template letters .

GeorgeUK

Only thing to bear in mind when ignoring debts in this manner is that a CCJ may be granted against the debt. If this happens then the debt will not be statute barred. Doesn't sound like you will be trying to get credit any time soon but something to bear in mind.

Have you checked your credit file? (Free at experian if you cancel within 30 days).
Note: If you have not had contact with your creditors for a long period of time and request your credit report, your address will be made available to your creditors and may start chasing you again.

crazyhaggid

Good for you! I know how you feel, my OH was pestered to death by TCL until we found out our rights, every month she was paying £30 but simply getting in more debt.

One of my debts was recently sold to Cabot, and they're pestering me, phone calls at all hours of the day even as late at 8 at night! But thanks to this forum I've got some good ammunition to I'll be sending their way.

Tosh1

Fermi, Rog2, Stapley, and George,

Thanks all for your replies; and I didn't think it was as easy as just ignoring them for 6 years; 1st Credit don't know my new address (I've been here over a year now, so it's not so new); but you've all been extremely helpfull.

Thank you.

But in another vein:

Fermi Wrote:

I think you will find that many people here (and on other forums) have a perfectly logical hatred of 1st Credit. :rolleyes:

I was wondering if there was any way or website advising on how we can 'wind them up' somehow?

I know, I know, I'm a 'child', and it's usually wrong to personify an organisation, but 1st Credit are nothing more than big bullies!

fermi

Tosh1 wrote: »

I was wondering if there was any way or website advising on how we can 'wind them up' somehow?

I know, I know, I'm a 'child', and it's usually wrong to personify an organisation, but 1st Credit are nothing more than big bullies!

There is one for Cabot, who are a similar DCA: http://www.coveritup.co.uk/

This link is amusing as well : Having fun with Debitas

Tosh1

Hi all,

Since my last post I've had two text messages from Mackenzie Hall asking me to phone them (ha ha), and one phone call which I answered; claimed I was someone else; bought the mobile phone from a car boot sale; then hung up.

But nothing else.

I supose I'm lucky in that they don't know where I live; I don't have my name on the electoral register (which is how I think they traced me the last time).

Who else is just avoiding these idiots?

I can't be the only one.

GeorgeUK

Tosh - have you requested a copy of the CCA? (customer credit agreement)

You could check with the registry trust whether a CCJ has been issued against you (not sure how much it costs), but if you do have a CCJ then they can try to enforce the debt with bailiffs if they do find you. If there is no CCJ and they cannot produce a copy of the CCA then they are unable to take any action against you as the debt is unenforcable.

If you are unsure of when the last payment you made towards the debt was, you could send a subject access request to whoever you paid the last payment to. (cost £10)

tomstickland

There's always the moral question of wishing a debt away.