Fred Bassett v 1st Credit (Lloyds TSB)

[vint1954]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Niddy has successfully dealt with 1st Crud a number of times, on behalf of various members including me. That sounds like one of their standard letters, I got a pile of letters from them, none replied to till Niddy got on the case.

Did they back off FP

[Fred Bassett]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

I received a letter from 1st Credit enclosing a copy of the agreement. Niddy has looked at the paperwork and tells me this one is enforceable.

What may cloud the issue here is the fact that there was PPI with this, plus a lot of unlawful charges. I've ignored this until now as I'd previously been informed (on another board) that this was UE and as it had dragged on for so long I assumed that was the case.

Also, from the copies of the agreement they have sent, which chops off some of the relevant information, I'm convinced that there is no way they could ever produce the original - I bet it got shredded years ago.

What's the best way for me to proceed now?

Cheers.

Fred

[helmsman]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

I received a letter from 1st Credit enclosing a copy of the agreement. Niddy has looked at the paperwork and tells me this one is enforceable.

What may cloud the issue here is the fact that there was PPI with this, plus a lot of unlawful charges. I've ignored this until now as I'd previously been informed (on another board) that this was UE and as it had dragged on for so long I assumed that was the case.

Also, from the copies of the agreement they have sent, which chops off some of the relevant information, I'm convinced that there is no way they could ever produce the original - I bet it got shredded years ago.

What's the best way for me to proceed now?

Cheers.

Fred

Hi,
My lloyds acc was UE for over 2 years they have now sent a good recon Niddy confirmed this, so I have had a letter from MK and sent them sold in dispute template they have now placed the acc on hold but I fear they will be back soon. So I will blag till they get to heavy. Good luck with yours.

[vint1954]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Have you asked Niddy to look in

[Fred Bassett]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Hi,
My lloyds acc was UE for over 2 years they have now sent a good recon Niddy confirmed this, so I have had a letter from MK and sent them sold in dispute template they have now placed the acc on hold but I fear they will be back soon. So I will blag till they get to heavy. Good luck with yours.

Thanks for that. Mine's been going on for over 5 years.

Do you have a link to the relevant template?

Cheers.

Fred

[Fred Bassett]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Have you asked Niddy to look in

Not yet. I'm sure he will anyway though.

[helmsman]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Thanks for that. Mine's been going on for over 5 years.

Do you have a link to the relevant template?

Cheers.

Fred

Whoa 5 years I would wait for Niddy or one of the mods as you are only 1 year from SB.
Best of luck

[MrsD]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

if I were you Fred, I'd try blagging to see if it will go SB, do you have definite dates of your last payment.

I'll ask Nids to pop around

[Fred Bassett]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

if I were you Fred, I'd try blagging to see if it will go SB, do you have definite dates of your last payment.

I'll ask Nids to pop around

Last payment was in December 2007. At that time I was in a DMP with CCCS but decided to go it alone. I've not paid a penny since.

[Never-In-Doubt]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Last payment was in December 2007. At that time I was in a DMP with CCCS but decided to go it alone. I've not paid a penny since.

Ok, can you please resend me the agreement and whatever else they sent you - terms, cover letter - the lot.

I'll treble check this, as we may find issue with PPI.....

For now do not contact anyone, sit tight.

[Fred Bassett]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Ok, can you please resend me the agreement and whatever else they sent you - terms, cover letter - the lot.

I'll treble check this, as we may find issue with PPI.....

For now do not contact anyone, sit tight.

Will do Niddy.

Regards.

Fred

[Never-In-Doubt]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Errr I might be getting confused lol.

It's this I sent over to Paul to check. It's this that you resent me earlier isn't it?

Ill be in touch or Paul will be, directly. Sit tight.

[Fred Bassett]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Errr I might be getting confused lol.

It's this I sent over to Paul to check. It's this that you resent me earlier isn't it?

Ill be in touch or Paul will be, directly. Sit tight.

Niddy,

I'm pretty sure that's what I sent first time around. Had a bit of a computer failure some months and lost some stuff but this was backed up. I've got tons more correspondence but this was the salient stuff.

Regards.

Fred

[Paul.]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

quick question cos im confused.com at the minute

The letter on this thread refers to First Credit (Finance) 3 limited yet the letter ive got tells me that first fuckwads (Finance) 5 purchased the debt in the middle of last year


Am i missing something here , how does it get from 3 to 5?

[Fred Bassett]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

quick question cos im confused.com at the minute

The letter on this thread refers to First Credit (Finance) 3 limited yet the letter ive got tells me that first fuckwads (Finance) 5 purchased the debt in the middle of last year


Am i missing something here , how does it get from 3 to 5?

Paul,

I have no idea. I will have to look at the various correspondence. I hadn't see this myself.

Regards.

Fred