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Heres the background.
Oct 2008 the excrement hit the ventilation system, which was rather a relief as all I was doing was working hard to get into debt!
£64K at that point....and working two jobs. Thought plenty was coming in so I could afford the repayments....WRONG! So it was a relief when Mrs P found out and we could do something.
Initially went to CCCS who were extremely helpful and we set up a DMP.
After a while, some idiot from '1st credit' kept ringing me to, I thought offer me more money, they weren't............they had bought my up-to-date Citicard Account.
Thats when I started to read various Forums and began to educate myself.
Long story short, I closed my dmp so that I could address the 1st Credit problem and after many, many letters and a successful claim via the Financial Ombudsman where 1st Credit had to pay me compo for suggesting that I 'borrow from friends, Family etc to settle the debt' they still remain unable to provide a Copy CCA even now........but they assure me ( in a letter in August after being told where to put their 'reconstituted Copy') that they will expect full settlement immediately on receipt of the CCA.......so I'm shaking in my boots
1
Whilst I have been paying all my other debts, I now realise that at least 3 of them, totalling £18,000 or so have ( probably) UE CCAs, so this Diary will be my record of trying to get these sorted.
....By the way, I am proud to say that 1st Credit are 'disappointed with my attitude' ;LOL
Oct 2008 the excrement hit the ventilation system, which was rather a relief as all I was doing was working hard to get into debt!
£64K at that point....and working two jobs. Thought plenty was coming in so I could afford the repayments....WRONG! So it was a relief when Mrs P found out and we could do something.
Initially went to CCCS who were extremely helpful and we set up a DMP.
After a while, some idiot from '1st credit' kept ringing me to, I thought offer me more money, they weren't............they had bought my up-to-date Citicard Account.
Thats when I started to read various Forums and began to educate myself.
Long story short, I closed my dmp so that I could address the 1st Credit problem and after many, many letters and a successful claim via the Financial Ombudsman where 1st Credit had to pay me compo for suggesting that I 'borrow from friends, Family etc to settle the debt' they still remain unable to provide a Copy CCA even now........but they assure me ( in a letter in August after being told where to put their 'reconstituted Copy') that they will expect full settlement immediately on receipt of the CCA.......so I'm shaking in my boots
1 Whilst I have been paying all my other debts, I now realise that at least 3 of them, totalling £18,000 or so have ( probably) UE CCAs, so this Diary will be my record of trying to get these sorted.
....By the way, I am proud to say that 1st Credit are 'disappointed with my attitude' ;LOL
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