1st Credit Threat

[Deepie]

Re: 1st Credit Threat | HBOS Mass Assignment

1st Cred finally responded to my CCA request with this:



It's another copy of what has already been declared UE by Niddy. I'm convinced there are other thing wrong as well but they don't matter for now.

What's the best reply to this one?

Cheers.

Regards.

Fred

If it were me this----> CCA Query - Missing Prescribed Terms

[MrsD]

Re: 1st Credit Threat | HBOS Mass Assignment

why was it UE?

I would send the appropriate letter, ie if it's got no terms, send the no prescribed terms

[MrsD]

Re: 1st Credit Threat | HBOS Mass Assignment

great minds, wasn't following you honest!

[Fred Bassett]

Re: 1st Credit Threat | HBOS Mass Assignment

Thanks folks.

[Never-In-Doubt]

Re: 1st Credit Threat | HBOS Mass Assignment

Ermm they admit themselves in the letter it's on hold cos they have not got the agreement, so sit and await their reply.

Don't worry!

[Batman]

Re: 1st Credit Threat | HBOS Mass Assignment

So why are they still calling themselves 1st Credit when they changed their name to CAI Finance Ltd last November....?

Do they not even know who they are supposed to be these days .....?

[Fred Bassett]

Re: 1st Credit Threat | HBOS Mass Assignment

Ermm they admit themselves in the letter it's on hold cos they have not got the agreement, so sit and await their reply.

Don't worry!

Niddy, what they are referring to is another account - one with Lloyds TSB.

Regards.

Fred

[Never-In-Doubt]

Re: 1st Credit Threat | HBOS Mass Assignment

Niddy, what they are referring to is another account - one with Lloyds TSB.

Regards.

Fred

sorry? They're mixing two accounts into one letter? Or is the letter nothing to do with what we're discussing...

Sorry I am like totally lost right now

[Fred Bassett]

Re: 1st Credit Threat | HBOS Mass Assignment

sorry? They're mixing two accounts into one letter? Or is the letter nothing to do with what we're discussing...

Sorry I am like totally lost right now

Niddy,

I have two accounts with them - One which was with Halifax and one with Lloyds. I CCA'd them (seperately I think), but you are right, they are referring to 2 accounts in one letter. They have the 'agreement' for the Halifax account but not the Lloyds one.

Cheers.

Fred

[Batman]

Re: 1st Credit Threat | HBOS Mass Assignment

"One which was with Halifax and one with Lloyds"

Are they both UE ?

[Fred Bassett]

Re: 1st Credit Threat | HBOS Mass Assignment

Niddy informs me that the Lloyds agreement is enforceable, but it also has PPI which clouds the issue.

[Never-In-Doubt]

Re: 1st Credit Threat | HBOS Mass Assignment

Niddy informs me that the Lloyds agreement is enforceable, but it also has PPI which clouds the issue.

And there is no mention of PPI within any terms sent....

[Batman]

Re: 1st Credit Threat | HBOS Mass Assignment

Ah right Fred - PPI can make it a question mark and bargaining chip then..

Good luck ...!

[Fred Bassett]

Re: 1st Credit Threat | HBOS Mass Assignment

And there is no mention of PPI within any terms sent....

Niddy, the PPI refers to the agreement they can't find and mentioned in passing in their letter. There was no PPI with the Halifax account - the one they are chiefly referring to in this letter.

Regards.

Fred

[Batman]

Re: 1st Credit Threat | HBOS Mass Assignment

Tiny wee update here folks.

Now rather than send us the silly excuse for an agreement that HBOS send us several times since 2009, 1st Credit have so far ignored the last CCA request we banged in (they just sent us handful of bank statements).

Instead, they have unsuccessfully (thanks Truecall) tried to ring us 16 times since January. Today they got braver and left two words "1st Credit" before hanging up.

We have also had a nice offer to settle up on the UE account, via a 30% discount. Hands up in class who else has had one....lol

I sense fun ahead.......