Gregco UE diary

[Never-In-Doubt]

Re: Gregco UE diary

Quick question from a dummy...Do The CCA request be sent to the DCA, or Original Creditor?

whoever owns the debt, so whoever is asking you for your hard earned cash

[SXGuy]

Re: Gregco UE diary

Wouldnt worry about Opus, wouldnt be suprised if they go silent.

I havent had an ackowledgement for my CCA request in months, and havent paid in months either, not a single letter from them.

[Never-In-Doubt]

Re: Gregco UE diary

They could sell the account to 1st Crud, they have sold some accounts to them...

That's not really a problem though, is it

[gregco]

Re: Gregco UE diary



I've sent the CCA request recorded today to everyone. Watch this space.

[gregco]

Re: Gregco UE diary

• Type of account credit card opus
• Date commenced Oct 2010
• Approx balance £3025 although before charges etc £2580
• Date last paid July 2011
• not paying
• Status default
• Account owner DCA Connaught Collections

I've just received a letter on behalf of 1st Credit (finance) 3 Ltd from their 'solicitors' & apparently I entered into a written agreement with CC Asset Management Ltd ("the Creditor") to pay the monies resulting from the agreement..They have put the wrong agreement number on the letter for starters!!!!Is that relevant???
Shall I send the Solicitors a CCA request or just ignore their request?

[gregco]

Re: Gregco UE diary

I've just received a letter on behalf of 1st Credit (finance) 3 Ltd from their 'solicitors' & apparently I entered into a written agreement with CC Asset Management Ltd ("the Creditor") to pay the monies resulting from the agreement..They have put the wrong agreement number on the letter for starters!!!!Is that relevant???
Shall I send the Solicitors a CCA request or just ignore their request?

Complete letter here-->

Dear Mr XXXXXXX
1ST Credit (Finance) 3 Limited Outstanding Debt: £3025.04
We act for 1ST Credit (Finance) 3 Limited of The Omnibus Building, Lesbourne Road, Reigate, Surrey RH2 7JP.
We are instructed by 1ST Credit (Finance) 3 Limited that you entered into a written agreement numbered XXXXXXXXXXXXXXXX with CC Asset Management Limited ("the Creditor"). The agreement was regulated by the Consumer Credit Act 1974.
The monies resulting from this agreement were repayable by you together with interest and any charges at the rate and times specified in the agreement. However you failed to adhere to the terms of the agreement and you also failed to take the opportunity to remedy your breach:.
In the light of the above the Creditor assigned the agreement to 1ST Credit (Finance) 3 Limited and that by notice in writing you were informed of the assignment.
We understand that 1ST Credit (Finance) 3 Limited, through its agents 1st Credit Limited and 1st Credit Limited trading as Connaught Collections have made further written and oral requests for payment of the assigned sum that is due owing by you. However, you have failed to pay the sum due, and the balance due is 3025.04.
Our client looks forward to receiving £3025.04 within 16 days of the date of this letter. You can pay using these methods: cheque, banker's draft building society cheque, electronic funds transfer, debit/ credit card or on-line payment to our client at The Omnibus Building, Lesbourne Road, Reigate, Surrey RH2 7JP. You may contact our client to discuss possible repayment options by letter, or by telephone 01737 237373.
Our client looks forward to hearing from you and receiving your full response within 16 days as specified but if they do not receive the £3025.04 then we are instructed that our client may issue court proceedings for £3025.04 plus interest and court fees.
You can obtain free independent advice and assistance from such organisations as listed in the table below.
Yours faithfully
MOON BEEVER

[gregco]

Re: Gregco UE diary

Account numbers often change when debts are sold to a debt purchaser and this isn't significant.

Did you get a response from Opus to your CCA request?

I also had an old Citi card sold to Opus, CCAM are the purchasers of the Citi portfolio ---> Who are CC Asset Management Ltd?

Have you received a NoA from 1st Crud saying they have purchased the debt?

I sent the CCA request to Connaught Collections (is the trading style of 1st Credit Limited) who were the last organisation to request the money from me. I have an account assignment from 1st Credit as the legal owner of the debt following assignment from CC Asset Management,
We would like to take this opportunity to introduce Ist Credit (Finance) 3 Limited as the legal owner of the outstanding debt of £3026.04 following assignment from CC Asset Management Limited (CCAM) on 23/03/2012.
It is our understanding that you currently have a repayment plan in place with OPUS. We would like to
thank you for your commitment to pay this outstanding amount. We ask that you contact us within the next 7 days to make arrangements to continue making these payments directly to 1st Credit Limited. You can contact us on 01737 235201.
Any further communications and payments should be sent to 1st Credit Limited using one of the methods outlined below. Alternatively you can write to us at the address located at the top right hand side of this letter.

and a letter of Assignment from Opus-->

We are writing to notify you that CC Asset Management Limited (CCAM) has assigned all of its respective rights, title and interest in respect of the above referenced account (including the outstanding balance) to 1st Credit (Finance) 3 Limited, effective 23/03/2012.
The total balance sold was £3026.04, as at the date of sale 23/03/2012. Any payments made towards your OPUS account after 23/03/2012 will be forwarded to 1st Credit Limited and will be deducted from the balance shown above.
Under the terms of this assignment, and as defined in the Data Protection Act 1998. 1st Credit (Finance) 3 Limited, is now the Data Controller of your Personal Data contained in the records of this account.
1st Credit Limited has been appointed by 1st Credit (Finance) 3 Limited, to manage your account and it is essential that all future payments and correspondence regarding this account be directed to ls: Credit Limited at:

[gregco]

Re: Gregco UE diary

I'm trying to get my head round who owns this debt....

The last letter I received was from Moon Beever Solicitors who are working on behalf of 1st Crud. 1st Crud are the Legal owner of this debt following assignment from CC Asset Management (CCAM). And Connaught Collections according the bumf in the footer are the Trading 'style' of 1st Crud.

Should I have addressed the CCA directly to 1st Crud, their Solicitors, or their Trading 'stylists' OR CC Asset Management Limited AKA The Creditor, Whom I have no headed information from.!!!!!!

[gregco]

Re: Gregco UE diary

Received another letter this morning from Con Collections in reply to my CCA request...

We refer to the above stated matter and your recent undated letter.
Your request for information to be supplied under the Consumer Credit Act 1974 is duly noted.
We confirm that the information has been requested from the original creditor, and we will forward this to you once we are in receipt of the same.
In the interim we confirm that no further action will be taken against you by us, until the information has been provided to you.
Should you wish to discuss the matter in the mean time please do not hesitate to contact us. Yours/faithfully,

[gregco]

Re: Left it too Late? 2 Court Claims received

• Type of account credit card HSBC
• Date commenced Feb 2006
• Approx balance £2755 although before charges etc £2472
• Date last paid July 2011
• not paying
• Status default
• Account owner Central Debt Recovery Unit
• Has PPI

Just received this letter today from Met Services...


Please be advised that your account is today being referred to Wescot Credit Services Limited, who will be contacting you within the next 14 days.
They have been selected to work with you to help understand your present circumstances and where possible agree an affordable and appropriate payment arrangement. They have a team of specialists and a range of payment plans that have been specifically designed to help meet our customers' needs.
If you do not hear from Wescot Credit Services Limited within the next 14 days, please call us on 08456 090 545. We are available 9am to 5pm Monday to Friday excluding bank holidays.

[gregco]

Re: Gregco UE diary

Lucky you!

Wetcloths are at the top of the DCA League of Incompetence! Expect lots of red threat-o-grams from them but don't worry, they are the biggest losers in the threat monkey world!

Do I need to resend the CCA to 'wetcloths'

[Deepie]

Re: Gregco UE diary

Do I need to resend the CCA to 'wetcloths'

just wait till they contact you............

[gregco]

Re: Left it too Late? 2 Court Claims received

• Type of account credit card BarclayCard
• Date commenced October 2008
• Approx balance £4273 although before charges etc £4033
• Date last paid July 2011
• not paying
• Status default
• Account owner MK Rapid Recoveries

Just received this From Mk Rapid Rec, Think its the reply for my CCA Request -->

Please call us to avoid further action
Further to our letter offering you help to clear this balance we have not received your offer of payment.
Without your cooperation we cannot offer you any help to reduce this balance and may need to take further action to recover this amount.
We advise you to contact us immediately so we can come to an agreement. Yours sincerely

They've totally dismissed any notion I actually sent them a request and just persisted in asking for money! Not even and acknowledgement

[gregco]

Re: Left it too Late? 2 Court Claims received

• Type of account Current Account Overdraft HSBC
• Date commenced Pre Feb 2004
• Approx balance £886 although before charges etc £800
• Date last paid Aug 2011
• not paying
• Status default
• Account owner Central Debt recovery unit

I have received a offer letter from DCA about this...

We have written to you on previous occasions in connection with your debt.
We understand that you may be experiencing financial difficulties.
With this in mind our clients are prepared to offer you a generous DISCOUNT OF 30% as full and final settlement, subject to payment being received within 14 days.
Call us now to take advantage of this offer on telephone 0845 6090548. Payment can be made immediately by debit or credit card over the telephone.
Upon receipt of £620.54 we will arrange to mark as satisfied any default registered with the relevant Credit Reference Agencies.
Alternatively, if you are unable to accept this offer, as a gesture of goodwill we are prepared to allow you to commence monthly repayments of £50 per month, reviewable at our discretion.
REMEMBER: IT IS DOUBTFUL THAT YOU WILL OBTAIN FURTHER CREDIT WHILST THIS DEBT REMAINS OUTSTANDING.

[gregco]

Re: Left it too Late? 2 Court Claims received

Just received this From Mk Rapid Rec, Think its the reply for my CCA Request -->

Please call us to avoid further action
Further to our letter offering you help to clear this balance we have not received your offer of payment.
Without your cooperation we cannot offer you any help to reduce this balance and may need to take further action to recover this amount.
We advise you to contact us immediately so we can come to an agreement. Yours sincerely

They've totally dismissed any notion I actually sent them a request and just persisted in asking for money! Not even and acknowledgement

Another Letter From MKDP -->

We are in receipt of your recent correspondence in regards to the outstanding balance stated above. Thank you for taking the time to write to us.
At this time we are unable to resolve your query, which requires further investigation. We will be liaising with the Original Creditor where applicable and we will contact you as soon as we receive a response but no later than 8 weeks from the date on this letter.


This is 8 weeks they have advised, Whereas by the CCA Request I sent they should reply with my request for information within 14 days...Am I correct in this?

If this information is not provided within 12 working days the debt becomes unenforceable.