Second letter from 1st Credit

[Mr $quandaŁot]

"Account number: xxxx xxxx xxxx xxxx
Client: Marks & Spencer Financial Services plc

"We Accept Affordable Arrangement Offers"

Dear Mr $quandaŁot

We invite you to contact us t agree repayment terms. Our agents will assess the affordability of your repayment offer over the phone.

I is important to us that your offer of repayment is reasonable and one that you can comfortably maintain.

Our policy is that we can work together to support your commitment to repaying this debt.

Give us a call and one of our agents will run through an affordability assessment with you and agree suitable repayment terms.

Please call us on 01737 235201.

Yours sincerely,


Gavin Flynn
Collections Director"

Any advice, please?

Should I send them a standard account sold whilst in dispute letter or go straight to one of my Mayhew template letters, highlighting the Santander vs Mayhew case, as well as attaching the judgement?

Funny how 1st Credit refers to M&S as "the client" even when they have now bought this alleged debt!

As this has been going on for two and a half years now, I would be quite tempted just to ignore these guys. However, I believe PT2537 might not agree as he likes paper trails, especially should he be defending this case if 1st Credit goes all the way to the court!

[Wombats]

Re: Second letter from 1st Credit

The way I look at your two options is one will continue to delay things, the other may bring a conclusion to it. Given that, I'd go for the option of trying to bring it to a conclusion, but ensure it is sent to someone in authority, not some numpty who has never heard of Santander vs Mayhew and so just sends out the next templated letter.

[FlamingParrot]

Re: Second letter from 1st Credit

Should I send them a standard account sold whilst in dispute letter or go straight to one of my Mayhew template letters, highlighting the Santander vs Mayhew case, as well as attaching the judgement?

Funny how 1st Credit refers to M&S as "the client" even when they have now bought this alleged debt!

As this has been going on for two and a half years now, I would be quite tempted just to ignore these guys. However, I believe PT2537 might not agree as he likes paper trails, especially should he be defending this case if 1st Credit goes all the way to the court!

1st Crud, like all debt purchasers, would have bought this account as part of a job lot, and wouldn't be aware of any disputes with M&S. They need to be told that this is UE due to the fact you never signed a credit agreement for the credit card, they wouldn't know that if you don't tell them.