Debt sold to 1st credit finance- how to deal with this?

devonsdreamer

1st credit seem only to be able to respond to any letters with "please call the office to discuss this matter" What to do now?? Do I just write again restating that hubby is not wiling to discuss this matter on the phone- what can/will they do next- does anyone know?

rog2

devonsdreamer wrote: »

1st credit seem only to be able to respond to any letters with "please call the office to discuss this matter" What to do now?? Do I just write again restating that hubby is not wiling to discuss this matter on the phone- what can/will they do next- does anyone know?

Hi dd - they just don't seem to be getting the message, do they?

You should write again, keeping copies of all letters, and tell them that your husband will only communicate with them by letter.

I would, also contact NDL - 0808 808 4000 and ask them for some advice.

devonsdreamer

Thanks- i am finding it all quite funny atm- I keep writing offering them money asking for giro slips to pay and they say call us- i write back saying no I wont call- here have some money send me giro slips or standing order details and it starts again! Hubby wont talk onthe phone at all but I guess i can speak with NDL on his behalf.

Shazza50

You could send them a 'harassment by telephone' letter. Send it recorded delivery so you have proof that they have received it.

Dear Sirs
Harassment by telephone

FORMAL COMPLAINT UNDER THE CONSUMER CREDIT ACT 2006 COMPLAINTS PROCEDURE

Account Number: XXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Please treat this also as a formal complaint, and send me a copy of your company complaints procedure.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

Yours faithfully,


[NAME HERE] (type don't sign)

devonsdreamer

After receiving yet another "thanks for your letter please call us" letter I have sent the full and final offer and I am awaiting the response, I am kind of expecting to get a page of ":rotfl:hahahaha:rotfl: " as it is such a low offer but it is all we can afford- so fingers crossed for me

rog2

devonsdreamer wrote: »

After receiving yet another "thanks for your letter please call us" letter I have sent the full and final offer and I am awaiting the response, I am kind of expecting to get a page of ":rotfl:hahahaha:rotfl: " as it is such a low offer but it is all we can afford- so fingers crossed for me

If you don't ask - you won't get. :rolleyes:

Good luck - keep us posted.

devonsdreamer

1st Credit have aknowledge my F&F offer with another

"thank you for your correspondance, the content have ben noted, please call to discuss this matter further":mad:

So any suggestions what we do now. I have stated in nearly every letter that hubby will not discuss matter on the phone-

My insticts say write a letter stating alon gthe lines of

" I have offered you token payments I have offered you F&F figure I can afford. I have repetely told you I will not discuss this matter on the phone however you have asked repetedly that I call your office and continualy ignore any effort on my part to remedy this situation."

Can anyone suggest better wording/structure of this OR another way of dealing with it- teh whole thing is Piddling me off now!!

MAny thanks for reading and any suggestions

devonsdreamer

:rotfl::T :rotfl:

AmIdone4?

Hi Devons ,

I can't believe they've even acknowledged your FAFO... I'd say your making progress... but it's difficult... are they playing good cop bad cop? You know lull you into a full sense of security by acknowledging your FAFO, and then going for the kill if you did phone them?

Just spotted your DFW thread, good advice from rog2 again...use that link for dealing with FAFO's

What about something along the lines of .... Thank you for your latest correspondence acknowledging my FAFO. I would really appreciate the opportunity to bring this situation to a close, though as previously stated, I will not be corresponding via telephone either now, or at any point in the future (re-insert reasons about your OH to really drive the point home - mind you is that possible? ...something tells me you can't penetrate a 12 foot thick wall that easily ) basically trying to appeal to their better nature (contradiction in terms ay?)... maybe adding of your disappointment in their constant rebuttals in acknowledging your wish that the matter be dealt with by letter... bit of a mouthful?

I'm wondering if you may be in for a war of attrition, which I think, you are doing well in... keep up the sterling work Devonsdreamer :T

All the Best

devonsdreamer

I have just done a google of 1st credit and read an interesting article about how much profits they made last year- dosent make me want to scrimp, save and generally live like a pauper to try to give them morethan I can afford.
I am going to use the letter kindly provided by Rog and also add in some more as you suggested about Hubby - honestly the trouble it causes cause he wont talk on the phone!! I almost gave in and was going to call them getting him to grunt persmiison for me to speak with them BUT I shall continue as I planned and stick to the letter- The irony is it is costing me a fortune in postage and that comes out of our food budget! Oh well