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Dispute with 1st Credit over everydayloans account
heartbreak_star
Posts: 8,287 Forumite
Hi all,
I had a loan with everydayloans that fell into arrears in 2009. A few months ago I started being hassled by 1st Credit.
I did a "prove it" and they sent some documents, however I think the address on them has been changed and they just don't quite look right even though they have my signature on. Also their sums don't add up for how much I actually owe.
The attached letter says "we await your comments".
Am I allowed to challenge the documents they have provided? I suspect they've gotten a move on due to this being statute barred in February...
HBS x
I had a loan with everydayloans that fell into arrears in 2009. A few months ago I started being hassled by 1st Credit.
I did a "prove it" and they sent some documents, however I think the address on them has been changed and they just don't quite look right even though they have my signature on. Also their sums don't add up for how much I actually owe.
The attached letter says "we await your comments".
Am I allowed to challenge the documents they have provided? I suspect they've gotten a move on due to this being statute barred in February...
HBS x
"I believe in ordinary acts of bravery, in the courage that drives one person to stand up for another."
"It's easy to know what you're against, quite another to know what you're for."
#Bremainer
"It's easy to know what you're against, quite another to know what you're for."
#Bremainer
0
Comments
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heartbreak_star wrote: »The attached letter says "we await your comments".
Am I allowed to challenge the documents they have provided? I suspect they've gotten a move on due to this being statute barred in February...
HBS x
Then they can wait until March when you send them a Statute Barred letter....Debt Free! Long road, but we did it
Meet my best friend : YNAB (you need a budget)
My other best friend is a filofax.
Do or do not, there is no try....Yoda.
[/COLOR]0 -
heartbreak_star wrote: »The attached letter says "we await your comments".
Ha, I could have fun with this one, start by asking them how there still in business after the old OFT severely rapped there knuckles a few years ago for "unfair debt collection practices", and half there clients ditched them overnight
How much was the debt for ? is if its a large sum they may start legal proceedings if the SB date is getting close, I would stall them for a while by disputing anything and everything !!!!I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
It's £4000 so they might well try further proceedings. It's not a massive amount in the grand scheme of things but not insignificant either, I'd guess.
Hmmm...so first comment should be to dispute the address and ask for a breakdown of costs? Sent by second class snail mail?
HBS x"I believe in ordinary acts of bravery, in the courage that drives one person to stand up for another."
"It's easy to know what you're against, quite another to know what you're for."
#Bremainer0 -
There was a post on here not long ago from an ex DCA employee.
Apparently debts that are nearing there SB date are considered "high priority" and are put to the top of the list for collection.
forwarned is forearmed
I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Well, update, just after Christmas I sent a letter with no address and signature on stating:
"In your last letter, you stated that the attached documents have my "current address" on. Does this mean you have amended the documents? If so, I will require copies of the originals with no amendment.
I would also appreciate a breakdown of how you have arrived at the figure you claim I owe. Many thanks!"
Now, judging by their past response time (4 months after "prove it" letter) my next note could maybe be an SB one...
HBS x"I believe in ordinary acts of bravery, in the courage that drives one person to stand up for another."
"It's easy to know what you're against, quite another to know what you're for."
#Bremainer0 -
Just an update - 1st Credit replied stating that the account is now Statue Barred and the file is closed.
I cried with relief. It's been a bit of a fight.
EDIT: Where are my manners?! Thank you to all who helped and supported
HBS x"I believe in ordinary acts of bravery, in the courage that drives one person to stand up for another."
"It's easy to know what you're against, quite another to know what you're for."
#Bremainer0 -
Very good. Thanks for the update. Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
heartbreak_star wrote: »Just an update - 1st Credit replied stating that the account is now Statue Barred and the file is closed.
I cried with relief. It's been a bit of a fight.
EDIT: Where are my manners?! Thank you to all who helped and supported
HBS x
Nice !!!!
Well done, 1st credit and I are olde friends,
so glad you have deprived them of your hard earned cash !!!I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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