1 st credit

[claire46]

Can somebody tell which company owns the debt ? 1 credit ltd or 1st credit (Finance) Ltd
l asked for the notice of assignment and this is the letter the letter l was sent
Yes l have CCA , the companies both have individual Registered No
what does an enforceable agreement look like?
letter
Dear Sir / Madam dated 05/07/2007

Re Your agreement with HFC Bank Ltd
Relating to Account Number:
Balance Outstanding:

We write to introduce 1st credit Ltd to you.

HFC Bank Ltd has assigned to 1st Credit (Finance) Ltd the full outstanding balance due under the agreement referred to above.


As a result of this assignment, the full amount outstanding is due to 1st Credit (Finance) Ltd immediately.

As the outstanding balance is owed to 1st Credit (Finance) Ltd you should not make any payments to HFC Bank Ltd
as it will take significantly longer to process the payment onto your account.


To discharge your outstanding balance,
you now need to make payment direct to the appointed servicing agent 1st Credit (Finance) Ltd at the above address.


We ask you to contact this office immediately so we can agree payment terms with you.


Failure on your part to do this will result in more formal recovery proceedings being taken against you


In accordance with the Data Protection Act 1998 we will comply with any request for a copy of the Personal Information about you that is held on our computer system.


Send your request, along with the administration fee of £10.00 and a self addressed envelope to the above address.

Please contact us on your reference is
PLEASE DO NOT IGNORE THIS LETTER.
We look forward to hearing from you.
Yours faithfully

On behalf of 1st Credit Ltd

[nemesis45]

Re: 1 st credit

Good Evening, welcome to LB.

1st Credit Ltd, will own the debt, a the purchaser of the debt, 1st Credit (F) Ltd will manage and collect the debt.

As to what an enforceable agreement looks like it's difficult to say until we see it.

You are correct to get a copy of the agreement use a request under the provisions of the Consumer Credit Act 1974 Sections 77/78 not
a Subject Access Request which has no specific obligation for an agreement to be supplied.
This is some years old it seems has it crawled out of the wood work recently?

nem

[claire46]

Re: 1 st credit

Thanks for the reply, I will try that option, but don't go too far, I'll probably need some more help

[Kati]

Re: 1 st credit

Thanks for the reply, I will try that option, but don't go too far, I'll probably need some more help

we're always here ... just give us a shout if you need anything :nod: xx

[Kiwi2016]

Re: 1 st credit

we're always here ... just give us a shout if you need anything :nod: xx

Hi there,

I posted a thread that I need help with, but haven't had any feedback as yet. Would you be able to assist please ?

http://legalbeagles.info/forums/show...339#post620339

Thanks