Ruddy Barclaycard!! Help!

Deep_In_Debt

First Credit are a complete nightmare to deal with. I also have a Barclaycard debt they are dealing with and they have sent me all sorts of threats including Statutory Demand which I've managed to get set aside. I am paying them monthly and have been for a while and they seemed happy but they seem to send threats out like confetti, neverless it is a warning shot and worth taking seriously as they are unpredictable.

I work over the road from 1st credit so I can send my mates over if you wish!?

I work with some ex employees of 1st credit who came to us for a nice, easy quiet job - I work in a call centre but a nice one! They are really nice people. 1st credit rarely negotiate apparently - if they work out you can't pay the debt off in 5 years then they will threaten to get as much as they can out of you. Do go for a CCA request as many of the debts that they buy don't have valid CCA's. They are a nasty bunch to deal with though and I wouldn't put anything past them.

MPLPC1982

Cheers for the offer!

Just to keep peoples up to date, as you can see I have sent a request for a CCA to them and yet have still heard nothing bar the letter detailed above.

The request was posted on 26th April, so they've had 20 working days so far.

Any ideas as to what to do?

Deep_In_Debt

I would sit tight and wait for them to go 30 days and then they would have commited an offence but others may correct me.

I'm in a bit of a battle with 1st Credit/Barclaycard at the moment. I CCA'd BC back in March and heard nothing then received a letter 2 weeks ago that my debt had been passed to 1st Crudit after BC had sent debt collectors to my door etc (I have been paying BC a reduced amount but they are refusing to play nicely). I've CCA'd 1st Credit too and I'm still waiting....I've written to Trading Standards and am now going through the Barclaycard complaints process. 1st Crudit/BC are being a nightmare and have chosen to ignore every bit of correspondence I've sent them although I have proof of delivery as I've sent everything recorded delivery.

Unfortnately, my mates have refused to pop over the road and beat them up...some mates I have!

Good luck - will be interested to learn how you get on.