Hereford Vets UE Diary

[Never-In-Doubt]

Re: Hereford Vets UE Diary

Ok,

Back in UK and as they said they did turn up Saturday and as I wasnt in left a Statutory Demand under section 268(1)(a) of the Insolvency Act 1986. Debt for Liquidated Sum Payable Immediately.

The demand is served by the creditor 1st Credit Finance Ltd the creditor claims that you owe the sum of £9300.

Next page the debtor entered into a contract with Bank Of Scotland account number *****

The account was assigned to 1st Credit in Nov 2016

etc etc

This was for a Halifax Card which I havent yet sent a CCA for but assume as I sent 1st Credit one for the M&S card they have jumped onto this?

I took this card out in around 2007 and didnt pay anything to it since around 2011/12 though I am guessing at that.

I assume this is enough information for now?

Can you photo / scan the document and email it to me with your username in the subject line. I'll then pass it to solicitor for you, unless you've already sent it planB in which case no need to redo it as all I'll do is send it their direction on your behalf.

As its 2007 it could be problematic but at this stage and until you get the CCA we can't presume anything.

Send me the email & SD demand and I'll reply & we'll try & get this sorted. Worse case I've a contact at 1st who would likely drop the demand if you have grounds for argument but we'll discuss on email.

My email is in my signature below.

[PlanB]

Re: Hereford Vets UE Diary

Can you photo / scan the document and email it to me with your username in the subject line. I'll then pass it to solicitor for you, unless you've already sent it planB in which case no need to redo it as all I'll do is send it their direction on your behalf.

No I've not asked to see anything yet.

But the OP might want to see this press release on the sanction 1st Credit previously received from the OFT for using statutory demands for debt collection purposes. They were told to "refrain" from doing it in certain circumstances and report back every six months with statistics of their enforcement actions or be find £50k and/or have their licence revoked >

http://webarchive.nationalarchives.g...ess/2009/20-09

It seems they may have forgotten this, but I haven't

Di

[PlanB]

Re: Hereford Vets UE Diary

The demand is served by the creditor 1st Credit Finance Ltd the creditor claims that you owe the sum of £9300.

Next page the debtor entered into a contract with Bank Of Scotland account number *****

The account was assigned to 1st Credit in Nov 2016

etc etc

This was for a Halifax Card which I havent yet sent a CCA for but assume as I sent 1st Credit one for the M&S card they have jumped onto this?

If this debt was only assigned to 1st Credit in November 2016 it does seem a bit quick to be issuing a Statutory Demand (3/4 months later).

Did you receive a Notice of Assignment last November, and what have they sent you since then (if anything)?

Di

[Never-In-Doubt]

Re: Hereford Vets UE Diary

Lol good find

[HerefordVet]

Re: Hereford Vets UE Diary

Just checked the tracking and it says delivered 15/3/16 but states Reigate PDO which means

• PDO - Delivery Office. A local office where you can collect your item

15/03/17	08:21	DELIVERED15/03/17	REIGATE PDO
14/03/17	11:42	SENT AT POST OFFICE	Manchester

[HerefordVet]

Re: Hereford Vets UE Diary

Thanks Niddy, emailed it to the webmaster email.

At this stage do I not need to do anything?

Also on the basis I have a couple of other Credit cards that havent been chasing for a while and passed on from pillar to post to I need to act now on these or just wait for the next correspondence?

[HerefordVet]

Re: Hereford Vets UE Diary

I dont recall receiving a Notice of Assignment but to be brutally honest I very rarely read the correspondence and just destroyed. Like I say it was probably ignited by the fact Ive sent the same company a CCA for the £1900 debt they were chasing for the M&S card which they haven't responded to from the 22 Feb 17. They have rang me and left a message only a couple of days ago asking for me to call them.

[Never-In-Doubt]

Re: Hereford Vets UE Diary

Hi

ive replied and copied in Jo & Di (our solicitor)

You'll hear from them directly or click reply all if you've heard nothing in a day or so. Don't do anything yet no. Regards other debts get a CCA sent.

Good luck.

[PlanB]

Re: Hereford Vets UE Diary

At this stage do I not need to do anything?

Nope, we've exchanged emails and will talk tomorrow

Maybe check the Royal Mail website again to see if your CCA Request has been signed for.

Di

[HerefordVet]

Re: Hereford Vets UE Diary

There is a printed signature showing online now though more of a squiggle! the Halifax still not signed for theirs.

[PlanB]

Re: Hereford Vets UE Diary

There is a printed signature showing online now though more of a squiggle!

Oh good, 1st Credit have received their s.77-79 CCA Request. That squiggle proves it.

Di

[PlanB]

Re: Hereford Vets UE Diary

Send 1st Credit a s.77-79 CCA Request immediately.

Well that seems to have done the trick.

Hereford has an update

Di

[HerefordVet]

Re: Hereford Vets UE Diary

Letter received today from 1st Credit Legal Dept stating we do not have a payment plan with you in relation to your account.
Following the recent service of Statutory Demand we write to inform you that we are now in a position to present a bankruptcy petition against you.

Etc etc etc emailed you copy

[Roger]

Re: Hereford Vets UE Diary

Letter received today from 1st Credit Legal Dept stating we do not have a payment plan with you in relation to your account.
Following the recent service of Statutory Demand we write to inform you that we are now in a position to present a bankruptcy petition against you.

Etc etc etc emailed you copy

Seems they have been counting their Chickens before they are hatched!

I think you are in the right place and hands to combat this.

[nanna58]

Re: Hereford Vets UE Diary

Niddy and Plan B are on the case , let battle comense ,x