Cca Requests Updates Please

momo1975

Well well well....... 1st credit they are cheeky so and so's

After i had a letter form the kingdon guy at 1st credit, they must have not had my reply yet, or maybe they have cause this morning i received this letter:



"INSTALLMENT DEFAULT NOTICE"

" Our records indicate that you have broken the agreed installment arrangement. in these circumstances the full balance £XXXX.XX is now due and payable.
Please contact this office immediately to discuss voiding legal action

If you believe that you have maintained your installment arrangement please contact this office to provide full details of the payments you have made"


What next? do i remind them they have not sent em a valid CCA???

kel123_2

Mo

where in the time line does this letter sit i.e. after 12 working days or after the 1 calander month. If it is after the 12 working days then the account is in dispute and therefore they cannot issue a default - letters to them, FOS and TS. if it is after the 1 calander month then they are committing a criminal offence - letters to the same.

There is some confussion to which TS to complain to? Your local or the TS were the company exists. I have sent to both to be on the sure side.

Kel

rog2

momo1975 wrote: »

Well well well....... 1st credit they are cheeky so and so's

After i had a letter form the kingdon guy at 1st credit, they must have not had my reply yet, or maybe they have cause this morning i received this letter:



"INSTALLMENT DEFAULT NOTICE"

" Our records indicate that you have broken the agreed installment arrangement. in these circumstances the full balance £XXXX.XX is now due and payable.
Please contact this office immediately to discuss voiding legal action

If you believe that you have maintained your installment arrangement please contact this office to provide full details of the payments you have made"


What next? do i remind them they have not sent em a valid CCA???

That letter is not woth the paper tha it is written on.

Seriously you do need to get on to Trading Standards as soon as possible. I would reccomend complaining to the Trading Standards Office nearest 1st Credit, as the chances are that they will already have a file as thick as a lorry driver's bacon sandwich on 1st credit. But make sure that you also send a copy to your local TSO.

momo1975

with regards to the letter i sent to 1st credit advising that the credit card application they sent me was not a true cca they have no replied with the below

They have sent me a letter and what seems to be some made up T&C and signed by 1st credit, and resent the copy of the application form however they have dated the 2001....hummm rather odd...

the letters are at the following photo bucket sites.

comments appreciated....

http://s278.photobucket.com/albums/kk84/momo19751975/?action=view&current=1stcreditletter2ndpage16may0101.jpg

http://s278.photobucket.com/albums/kk84/momo19751975/?action=view&current=1stcreditletter16may01.jpg

http://s278.photobucket.com/albums/kk84/momo19751975/?action=view&current=1stcfedit.jpg


cheers momo1975

momo1975

Kel,

I sent the letter to the Trading Standards after the time frame has gone past ie, the 12+2+30 letter and when they are therefore commiting an offence if they pursue you for the debt as they have not been able to provide a valid CCA in the time frame alloted legally. i sent it to the local TS office where the DCA is based

hope this is helpful

kel123 wrote: »

Mo

where in the time line does this letter sit i.e. after 12 working days or after the 1 calander month. If it is after the 12 working days then the account is in dispute and therefore they cannot issue a default - letters to them, FOS and TS. if it is after the 1 calander month then they are committing a criminal offence - letters to the same.

There is some confussion to which TS to complain to? Your local or the TS were the company exists. I have sent to both to be on the sure side.

Kel

kel123_2

Mo

Things are not always black and white as many have found out. Legislation is discussed between two parties with a single person (the judge) siding with who as the best argument.

A copy means a copy not someone copying it so the letter from 1st Credit (16th) is bull sh*t. Terms and conditions must be on the same document as the credit agreement! They are correct that ultimately it will be up to a judge to decide (see first paragraph above)

The jury is most definately out about which which TS to complain to, that is why I sugested you send it to both. It's me making sure I dot i's and cross t's, I expect to be taken to court and have planned accordingly. What is said in letters cannot win you the case but it can loose it? That is why I do not agree with some on cag (not the big boys (mods and site reps)) but the ones that are still living in never never land ref my first paragraph above.

kel123_2

Mo

I have just spent a happy 2.5 hours reading through

CAG - legal issues - Re: BLS No cca but still demanding payment

It may help with keeping the process in prospective

Kel

momo1975

LOL! i know!!

so as per my post there.......

whatever next what an idiot huh?...cant believe he even made up the terms and condtions! so guys whats the best next step, as its rather personal case now shall i just type up something to send and post here for the once over?\

Do 1st credit read these?!?

regards momo1975

fermi wrote: »

Momo1975: I love the comments on your CAG thread.

momo1975

p.s i think i might send a letter to that Cleary guy in charge of first credit and tell him i don't expect any further contact, cause its obvious they are trying to play foul. What do you think??? maybe include all past correspondance....

fermi

I would wait and see what the CAGers suggest for now.