Re 1st Credit £3,953.89

WEEGIE

I received a letter from 1st credit demanding £3,953.89,which is a debt I vaguely remember, 1st credit have offered to pay 50% (half) of the alledged debt, if I pay the other half within 14 days. This debt may be one from about 5/6 years ago, only the figure is much higher than I remember, what do I do? Please help. Thanks.

Jacks_xxx

:hello: Hiya sweetie,

What a scary letter. :eek:

Talk to one of these organizations as soon as possible. They will know what to do I promise.

Consumer Credit Counselling Service (aka CCCS)
Wade House
Merrion Centre
Leeds
LS2 8NG
Tel: 0800 138 1111
http://www.cccs.co.uk/

Payplan
Kempton House
Dysart Road
Grantham
Lincolnshire
NG31 7LE
Tel: 0800 917 7823
http://www.payplan.com/

Citizens Advice Bureau (aka CAB)
http://www.citizensadvice.org.uk/

And do let us know how you get on,

Love Jacks xxx

Crown

Hi, its important to acknowledge exactly when this debt was actually issued as after 6 years it it would be statute barred and this could just be a attempt to try and get you to pay. 50% of something that you arent legally obliged to pay is a result for them.

Also have you recently viewed your credit file to see if this debt still remains on there? The fact that the amount is higher than you remember may be because they have added charges to the original debt and have sold it on to various companies. From there website they say

With 1.5 Million accounts worth over £3 Billion under management 1st Credit regards itself as a true leader in debt purchase and outsourced debt collection services.

, so to me it lookes like a case of they have bought your debt on the cheap and are looking for a settlement amount.

I would try and check your file to see if firstly the debt is mentioned there and then depended on if it is over the 6 year period either send a a request for a signed copy of the original CCA or send a letter informing them that you beleif the debt is now statute barred

Wish you the best of luck and let us know how you get on

Crown

Copy of the request letter for a signed copy of the CCA. Edit as required

---

I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter.

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose £1 in payment of the statutory fee.

2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

4. I would also like to point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued

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, therefore if I do not receive evidence that I owe your company any monies by 6th February 2006, I will have no hesitation in passing your details to the Office of Fair Trading.

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.

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

Regarding your threat that a Doorstep Collector will call the owner of this property is denying you or anybody working on your behalf access onto their estate or grounds in relation to this disputed debt, should you or any agent acting for you attempt to gain access to the estate or its grounds, then you will be ignoring your denial of access and the owner of "insert your address", will take legal steps to sue both you and or your agents for trespass, please also note that having a letterbox on the property gives you or anyone working on your behalf neither implied nor expressed rights to enter the properties boundaries, again any instances of trespass WILL lead the property owner to sue both yourselves or any agents working on your behalf

WEEGIE

Crown wrote: »

Hi, its important to acknowledge exactly when this debt was actually issued as after 6 years it it would be statute barred and this could just be a attempt to try and get you to pay. 50% of something that you arent legally obliged to pay is a result for them.

Also have you recently viewed your credit file to see if this debt still remains on there? The fact that the amount is higher than you remember may be because they have added charges to the original debt and have sold it on to various companies. From there website they say

, so to me it lookes like a case of they have bought your debt on the cheap and are looking for a settlement amount.

I would try and check your file to see if firstly the debt is mentioned there and then depended on if it is over the 6 year period either send a a request for a signed copy of the original CCA or send a letter informing them that you beleif the debt is now statute barred

Wish you the best of luck and let us know how you get on

Hi,
Thanks for the advice, I will send the letter off to 1st credit and wait to see what happens, once again thank-you.:rotfl:

RAS

Weegie

Do your credit check and see if the debt comes up on it. If not, it is liely to be statute barred. See martin's article on credit ratings under the cards and loans tab.