GDPR Cookie Consent by SimpleServe Privacy Script 1st Credit - AAD Consumer Forum

Announcement

Collapse
No announcement yet.

1st Credit

Collapse
X
Collapse
 
  • Page of 4
  • Filter
  • Time
  • Show
Clear All
new posts
Previous 1 2 3 4 template Next
  • #31
    Re: 1st Credit

    All done Niddy, and a new thread has come up with all my docs showing, is that just me and you and your solicitor that can see it as I hope Ive not f##cked up, could you check mate.
    Cheers

    Comment

    • #32
      Re: 1st Credit

      just seen protected content!
      phew!!

      Comment

      • #33
        Re: 1st Credit

        It can be disconcerting when you see a new thread dedicated by your documents but as you have guessed t is highly secure and protected so that you and Niddy are the only ones who can see it.
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment

        • #34
          Re: 1st Credit

          Ha ha your right there mate and cheers for taking the time to post and reassure me.
          All the best
          Dave

          Comment

          • #35
            Re: 1st Credit

            Originally posted by DAVEB71 View Post
            All done Niddy, and a new thread has come up with all my docs showing, is that just me and you and your solicitor that can see it as I hope Ive not f##cked up, could you check mate.
            Cheers
            JUST you and me mate. It's secure - 100%.

            However the agreement and terms you sent would be enforceable so time to consider your options whether you wish to fight this (by blagging it) or try and settle it - as I have a contact at 1st we could try and get you a favourable deal if you did decide to settle - if not you'll be blagging it.....

            I have explained more on the secure thread with the uploads.
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

            Comment

            • #36
              Re: 1st Credit

              Cheers Nid I will have a look now

              Comment

              • #37
                Re: 1st Credit

                Didn't you say this hasn't been paid since 2008? You need to find out the date of last payment as it could well be Statute Barred.

                Comment

                • #38
                  Re: 1st Credit

                  Hi Elsa
                  Yeh I was thinking that I am just going through it with Niddy at the moment, as does the 6yr thing start from the last time you made a payment? I think I need to find this out therefore I think it would be a SAR wouldn't it.
                  Cheers Elsa

                  Comment

                  • #39
                    Re: 1st Credit

                    See what Niddy says about the SAR.

                    If you were making your usual contractual payments and suddenly stopped, time would start from the day after the first missed payment.
                    If you made your last payment after the account was defaulted, it starts the day after the last payment.

                    Comment

                    • #40
                      Re: 1st Credit

                      Originally posted by DAVEB71 View Post
                      Hi Elsa
                      Yeh I was thinking that I am just going through it with Niddy at the moment, as does the 6yr thing start from the last time you made a payment? I think I need to find this out therefore I think it would be a SAR wouldn't it.
                      Cheers Elsa
                      I would not rely on a SAR to show that - creditors have been known to make up 'phantom' payments. If you've got 6 years of bank statements go through them with a fine toothcomb (unless there is the possibility you've made a cash payment over the counter).

                      You also need to consider whether you've 'acknowledged' the debt in writing during this time (you don't need to worry about using the AAD templates as they are carefully worded to avoid this).
                      "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                      The consumer is that sleeping giant.!!


                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #41
                        Re: 1st Credit

                        Hi Elsa and SaltnVinegar
                        The last payment I would of made was from after I defaulted so your taking 2009/2010 maybe, I've had a brief look over the letters I've sent and it dosent look like I've actually acknowledged it, instead Ive put, in relation to a Halifax account, or an aledged debt to Halifax PLC, so I hope that was the correct way to address itand thats naughty about phantom payments. Ive not got 6 years of bank statements should I write to the bank and request?

                        Cheers guys

                        Comment

                        • #42
                          Re: 1st Credit

                          Hello everyone,
                          just a quick update regarding this debt to 1st Credit, with the invaluable help of Niddy this has now been paid and settled (partial settlement) and I've now received confirmation back that the account is now closed and they wont be selling it on or pursuing me in the future this included written reassurances from Niddy's contact in 1st Credit so again many thanks my friend and to everyone who offered their time to advise on this, its very much appreciated.

                          Cheers

                          Dave

                          Comment

                          • #43
                            Re: 1st Credit

                            That's great matey xxx
                            if you do it today and you like it you can always do it again tomorrow

                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #44
                              Re: 1st Credit

                              I am so pleased for you Dave, I do love good news on AAD, If you have time in the next few days please could you leave feedback for Niddy and our team here ——- > Successes, Praise & Good News Stories then click on the ——- > Online Feedback Facility it will then take you to the form to fill in (don't worry if you can't post links to your thread, leave that blank and we can fill that in later for you).

                              May I also ask another favour, if you feel comfortable and have a FB account, please can you leave AAD a review here too——-> https://www.facebook.com/allaboutDEBT/reviews.

                              Thank you and best wishes
                              IF
                              "If wishes were horses, beggars would ride"

                              Comment

                              • #45
                                Re: 1st Credit

                                Great news Dave!
                                Let your smile change the world but don't let the world change your smile

                                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                                Comment

                                Previous 1 2 3 4 template Next
                                Working...
                                X