bankruptcy proceeding being considered

[Riz]

Re: bankruptcy proceeding being considered

Connaught are a trading name of 1st Credit, so they would be passing it exactly nowhere.

[PlanB]

Re: bankruptcy proceeding being considered

Connaught are a trading name of 1st Credit, so they would be passing it exactly nowhere.

They would be passing it to the desk which issues SDs just like Varde passed my MBNA debts to their in-house team Experto Credite who served me with a SD. And also the Lewis Group who passed my Santander debt to their in-house team Howard Cohen who issued me with a county court summons. Just because a creditor has an in-house litigation team with different headed notepaper that doesn't make a debtor immune from legal action.

[Never-In-Doubt]

Re: bankruptcy proceeding being considered

They won't pass it anywhere cos I'll ask them to drop it and they will..... It'll be fine.

1st credit are one of the better DCA's especially when you tell them the faults. They will go back to the OC and ask them for an answer. A lot of other dca's don't even bother.

keep us updated

[rod]

Re: bankruptcy proceeding being considered

They won't pass it anywhere cos I'll ask them to drop it and they will..... It'll be fine.

1st credit are one of the better DCA's especially when you tell them the faults. They will go back to the OC and ask them for an answer. A lot of other dca's don't even bother.

keep us updated

Will do and thanks for you help on this.

[rod]

Re: bankruptcy proceeding being considered

Yes you did and Thanks.

the letter states if we cant agree terms then they will pass the A/C to Connaught no deadline date was given.

I have received another letter from 1st Credit today dated 30/12/2013 "stating that we are not aware of any legally valid reason for non-payment of of the debit therefore we are considering SD". The letter also state that they are prepared to offer me a 5% discount to settle the debit which will be available for 21 days until the point that a SD has been issues by Connaught collection and if I don't respond to this letter I will be contacted by Connaught collection.

I get the felling that

[rod]

Re: bankruptcy proceeding being considered

I have received another letter from 1st Credit today dated 30/12/2013 they have not responded to my "prove it" letter. The state that "we are not aware of any legally valid reason for non-payment of of the debit therefore we are considering SD". The letter also state that they are prepared to offer me a 5% discount to settle the debit which will be available for 21 days until the point that a SD has been issues by Connaught collection and if I don't respond to this letter I will be contacted by Connaught collection.

I get the felling that

I get the feeling that they are hell-bent on issuing the SD. do I just wait for the SD to arrive?

[nightwatch]

Re: bankruptcy proceeding being considered

have you contacted niddy

[Deepie]

Re: bankruptcy proceeding being considered

I have sent the letter and I have track it and it was delivered and sign for 31/12/13 08.08am.

I did received another letter on the 30/12/13 dated 23/12/13 threatening to pass the account to Connaught to consider issue of a SD if i didn't agree to pay and accept a payment plan by direct debit.

do I just wait and see what comes back?

I have received another letter from 1st Credit today dated 30/12/2013 "stating that we are not aware of any legally valid reason for non-payment of of the debit therefore we are considering SD". The letter also state that they are prepared to offer me a 5% discount to settle the debit which will be available for 21 days until the point that a SD has been issues by Connaught collection and if I don't respond to this letter I will be contacted by Connaught collection.

I get the felling that

I get the feeling that they are hell-bent on issuing the SD. do I just wait for the SD to arrive?

A One liner referring them to your prove it letter sent on xx/xx/xxxx with a copy might be in order.........

[Deepie]

Re: bankruptcy proceeding being considered

PS just noticed the dates ....looks like letters have crossed in the post..........

[rod]

Re: bankruptcy proceeding being considered

They won't pass it anywhere cos I'll ask them to drop it and they will..... It'll be fine.

1st credit are one of the better DCA's especially when you tell them the faults. They will go back to the OC and ask them for an answer. A lot of other dca's don't even bother.

keep us updated

I have received another letter from 1st Credit today dated 30/12/2013 they have not responded to my "prove it" letter. The letter state that "we are not aware of any legally valid reason for non-payment of the debit therefore we are considering SD". The letter also state that they are prepared to offer me a 5% discount to settle the debit which will be available for 21 days until the point that a SD has been issues by Connaught collection and if I don't respond to this letter I will be contacted by Connaught collection.
I get the feeling that they are hell-bent on issuing the SD. do I just wait for the SD to arrive?

[rod]

Re: bankruptcy proceeding being considered

have you contacted niddy

I have just send him the details

[Deepie]

Re: bankruptcy proceeding being considered

PS just noticed the dates ....looks like letters have crossed in the post..........

I have received another letter from 1st Credit today dated 30/12/2013 they have not responded to my "prove it" letter. The letter state that "we are not aware of any legally valid reason for non-payment of the debit therefore we are considering SD". The letter also state that they are prepared to offer me a 5% discount to settle the debit which will be available for 21 days until the point that a SD has been issues by Connaught collection and if I don't respond to this letter I will be contacted by Connaught collection.
I get the feeling that they are hell-bent on issuing the SD. do I just wait for the SD to arrive?

See post 54....

[PlanB]

Re: bankruptcy proceeding being considered

I have received another letter from 1st Credit today dated 30/12/2013 they have not responded to my "prove it" letter. . . . .

. . . . The letter also state that they are prepared to offer me a 5% discount to settle the debit which will be available for 21 days until the point that a SD has been issues by Connaught collection and if I don't respond to this letter I will be contacted

You can afford to relax for two reasons.

Firstly, that letter dated 30th December says they'll give you 21 days to consider their crap offer before Connaught will issue a SD which means that there will definitely be no SD issued before 20th January (if ever).

Secondly, that letter from 1st Credit is dated 30th December and your *prove it* letter arrived at their offices on 31st December at 8.08 am so it was written before they got your challenge to prove it. Read Deepie's posts if you don't believe me.

Of course they're hell bent on issuing a SD and we're hell bent on stopping them. I think you'll find we'll win because we normally do

[rod]

Re: bankruptcy proceeding being considered

PS just noticed the dates ....looks like letters have crossed in the post..........

you are absolutely right they received the "prove it" letter on the 31/12/13

[rod]

Re: bankruptcy proceeding being considered

You can afford to relax for two reasons.

Firstly, that letter dated 30th December says they'll give you 21 days to consider their crap offer before Connaught will issue a SD which means that there will definitely be no SD issued before 20th January (if ever).

Secondly, that letter from 1st Credit is dated 30th December and your *prove it* letter arrived at their offices on 31st December at 8.08 am so it was written before they got your challenge to prove it. Read Deepie's posts if you don't believe me.

Of course they're hell bent on issuing a SD and we're hell bent on stopping them. I think you'll find we'll win because we normally do

Thanks for the reassurance