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Moon phases
1st Credit
4 posters
Page 1 of 1
1st Credit
Hi All
1st Credit have been chasing me since February 2015 for an alleged credit card debt that they (allegedly) purchased!. I sent the 3 letters plus the estoppel & since 2015 have been exchanging further letters with them. They have recently sent me a copy of the default notice from the original company, which previously they said they could not provide, & have essentially re-started the attempted collection process by sending their introduction letter from February 2015 (very odd!). I would be grateful if you could advise me on which course of action to take for the best. I believe my options are to either ignore them or write to them again reminding them of the letters I have sent previously.
Many thanks in advance for your advice.
1st Credit have been chasing me since February 2015 for an alleged credit card debt that they (allegedly) purchased!. I sent the 3 letters plus the estoppel & since 2015 have been exchanging further letters with them. They have recently sent me a copy of the default notice from the original company, which previously they said they could not provide, & have essentially re-started the attempted collection process by sending their introduction letter from February 2015 (very odd!). I would be grateful if you could advise me on which course of action to take for the best. I believe my options are to either ignore them or write to them again reminding them of the letters I have sent previously.
Many thanks in advance for your advice.
Ithesoul- Not so newb
- Posts : 84
Join date : 2017-04-24
Re: 1st Credit
What's the date on the default notice they've sent you?
Tiggy- Moderator
- Posts : 640
Join date : 2017-08-11
Re: 1st Credit
You could sent something like this to them like I sent to lowell last year
Dear Interloper
The so called evidence you sent me is not what I asked for, is not acceptable and you have not proven any debt.
The evidence I requested from you is as follows
True and certified copies (NOT photocopies) of the Deed of Assignment (Not the Notice of Assignment) and Deed of Novation. I also requested the name of the individual who is the duly authorised representative from your company, who has seen the Original Note and is certifying these assignments as certified copies and that your company now has the Original Note (Credit Agreement) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account and also confirmation of the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.
Nothing other than what was requested will be accepted!
So sorry to say no payment will be made on this account. I also mentioned in my letter dated (Letter 3 Date) that we are now in a tacit agreement which includes a fee schedule. Please find your bill enclosed with this letter which is to be paid within 30 days from the date on this letter by cheque
I understand some don't like billing so if this is the case with you simply leave that bit out
Dear Interloper
The so called evidence you sent me is not what I asked for, is not acceptable and you have not proven any debt.
The evidence I requested from you is as follows
True and certified copies (NOT photocopies) of the Deed of Assignment (Not the Notice of Assignment) and Deed of Novation. I also requested the name of the individual who is the duly authorised representative from your company, who has seen the Original Note and is certifying these assignments as certified copies and that your company now has the Original Note (Credit Agreement) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account and also confirmation of the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.
Nothing other than what was requested will be accepted!
So sorry to say no payment will be made on this account. I also mentioned in my letter dated (Letter 3 Date) that we are now in a tacit agreement which includes a fee schedule. Please find your bill enclosed with this letter which is to be paid within 30 days from the date on this letter by cheque
I understand some don't like billing so if this is the case with you simply leave that bit out
discodave4093- Not so newb
- Posts : 78
Join date : 2017-05-30
Re: 1st Credit
Hi Tiggy
My apologies I should have said 'Notice of Assignment', not 'Default Notice' from Barclaycard, but sent to me by 1st Credit. The date on the NoA is 26/02/2015.
My apologies I should have said 'Notice of Assignment', not 'Default Notice' from Barclaycard, but sent to me by 1st Credit. The date on the NoA is 26/02/2015.
Ithesoul- Not so newb
- Posts : 84
Join date : 2017-04-24
Re: 1st Credit
Hi discodave4093
Many thanks for your reply & advice. Did Lowell come back at you after to sent this?.
Many thanks for your reply & advice. Did Lowell come back at you after to sent this?.
Ithesoul- Not so newb
- Posts : 84
Join date : 2017-04-24
Re: 1st Credit
Ithesoul wrote:Hi Tiggy
My apologies I should have said 'Notice of Assignment', not 'Default Notice' from Barclaycard, but sent to me by 1st Credit. The date on the NoA is 26/02/2015.
What's the original debt for? Do you know when the default notice was issued and have they sent you a copy of the agreement?
Tiggy- Moderator
- Posts : 640
Join date : 2017-08-11
Re: 1st Credit
Hi Tiggy
The original debt was for 12.5K. The default notice date, from Barclaycard, is August 2014.
I received a copy of the Ts & Cs from Barclaycard but with no signed or dated agreement. I also received a copy of the Ts & Cs from 1st Credit.
The original debt was for 12.5K. The default notice date, from Barclaycard, is August 2014.
I received a copy of the Ts & Cs from Barclaycard but with no signed or dated agreement. I also received a copy of the Ts & Cs from 1st Credit.
Ithesoul- Not so newb
- Posts : 84
Join date : 2017-04-24
Re: 1st Credit
sounds as though they've reconstituted the agreement, which they are allowed to do as long as it is a true representation of the actual agreement. Search Waffle's posts for a link to how they try and use any old agreement and pass it off as the same as yours.Ithesoul wrote:Hi Tiggy
The original debt was for 12.5K. The default notice date, from Barclaycard, is August 2014.
I received a copy of the Ts & Cs from Barclaycard but with no signed or dated agreement. I also received a copy of the Ts & Cs from 1st Credit.
Also, go through what they've sent you with a fine tooth comb to ensure it has all the prescribed terms, without them it's unenforceable against you.
Tiggy- Moderator
- Posts : 640
Join date : 2017-08-11
Re: 1st Credit
handle wrote:Also, you may find that 1st credit are committing a criminal offence as they are no longer regulated.
They will be working to a service agreement to another Company within their group, it's a loophole in the Financial Services & Markets Act 2000.
Tiggy- Moderator
- Posts : 640
Join date : 2017-08-11
Re: 1st Credit
Hi Tiggy & handle
Many thanks for your help & advice.
Many thanks for your help & advice.
Ithesoul- Not so newb
- Posts : 84
Join date : 2017-04-24
Re: 1st Credit
Yes lowell did come back to me but I just kept sending replies telling them to refer to my previous letters, then it eventually became statute barred
discodave4093- Not so newb
- Posts : 78
Join date : 2017-05-30
Re: 1st Credit
Hi discodave4093
Many thanks for your reply.
Many thanks for your reply.
Ithesoul- Not so newb
- Posts : 84
Join date : 2017-04-24
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