CCA request aftermath vs 1st Credit

Deelow

Can anyone help......iv'e recently been tring to gain CCA request from 1st Credit who are now the legal owners of an alleged debt that i originaly had with Barclaycard.I have sent 1st Credit the original request along with £1 stat fee registered delivery.They got that and told me they would contact Barclaycard for this info.i waited the 12+30+ then some! and basicaly their time was well and truly up middle of March '08.i have heard nothing more from 1st Credit and sent them the final letter requesting them to remove all adverse data from my credit file and to write off this alleged debt.i still have heard nothing from 1stCredit.Can any tell me how i can get 1st Credit confirm they will be writing off this debt?Is there a template letter that anyone else may have used and been sucessful with?Oh and in the last couple of weeks i am now being hounded by Scotcall who are working for 1st Credit as far as i know?i prompltly told them where to go as well! :rolleyes:

excel1

Post both scotcall and 1st credit the telephone harrassment letter that should stop that, dont sign them tho!
the next step is to complain to consumer direct(who will not know what bit of law you are talking about) now, you MUST be pushy, i found that they dont want to do anything, so state that you will not back down and as 1st credit are commiting a summary criminal offence that you are outraged and as its a criminal offence only someone like TS can sort it out.
That should get consumer direct to contact TS who will then ring you (trust me try and bypass consumer direct and you get passed sraight back) and tell the all that has happened, they did for me and i got them phoning me back to say that the company cant find it and will close the file,and then recieved later that in writing from said company.

malestrom07

excel1 - tha's excellent advice and it should work, Deelow, I couldn't have said it better myself.

GeorgeUK

There are template letters for the CCA stuff in this thread, but i would also like to point out that the debt is never written off. The debt will remain due, but unenforcable without a court order for 6 years after the last payment at which time the debt is statute barred. The debt will still exist, but will then no longer be enforcable - courts won't look at statute barred debts if you have informed the creditor that you do not intend to pay as it is statute barred.

Deelow

Ecel1 thanks for the advise i will try what you said!have already sent both 1st credit and scotcall the "no telephone calls" letter