Complaints Against First Credit Debt Collectors

 

Registry of Debt Collectors

 

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What To Do If You Get A Nasty Letter or Phone Call From:

First Credit Debt Collectors

 

 

First Credit Debt Collectors is a debt purchasing/selling company listed in the website of the

 

 

 

DPC Registry is licenced by the Office of Fair Trading. Licence No. 633327 and are signatories of the Data Protection Act. Reg. No. Z1620707

 

Name: First Credit Debt Collectors
Also Known As: First Credit, 1st Credit, First Credit Reigate First Cretins, etc.
Address: The Omnibus Building, Lesbourne Road, Reigate, Surrey RH2 7JP
Telephone: 01737 228555
Fax: 01737 228564
Email: Yet to be determined
Extra Data: See below.

First Credit Debt Collectors and the Truth About Your Debt

You should always ensure you know whether the debt collecting firm has purchased the account themselves as a means of making a profit (as a debt purchasing company) or whether they are carrying out recovery work on behalf of another company such as a loan company (where they would pocket a proportion of recovered money in commission). If a letter of assignment has been sent, as legally required if the debt has been sold wholesale, then you know that the debt collecting company is the actual owner of the debt and therefore will attempt to get as much out of you as they can. When dealing with First Credit Debt Collectors do bear in mind that every penny they get is profit because they bought the account for a song. So they will try to get you any way they can.

There are lots of basic things you can do to thwart the debt collectors who operate in this way and the various tactics of First Credit Debt Collectors. You can block their phone number permanently, or you could record their telephone conversations, you can send them a letter preventing them from visiting you or any combination of these actions (all these template letters are available at the website).

Many members of the general public may have noticed with some shock that these debt collecting companies generally insist on contacting you by telephone. For some reason they always prefer to call you on the phone rather than writing to you. Isn't this a bit strange? The reason for this is that they wouldn't be able to threaten you on paper as they don't wish to perjure themselves in a permanent form like a letter.

It is an option to question the validity of the amount owed or the existence of the debt itself by making a Subject Access Request (or SAR) as a foil to First Credit Debt Collectors. The owner of the alleged debt (the bank or the debt purchasing company) must give you a true signed copy of the original contract with the bank if that contract was made prior to 6th April 2007. When they fail to do this they are in breach of the consumer credit act 1974, and the alleged debt is then said to be in dispute. For as long as this situation exists they cannot ask for payment (if they do so they are in breach of the law) and they must not sell it on to another agency (which many do nevertheless at this stage). As long as the alleged debt is in dispute it cannot be enforced, even by a court. There's a series of template letters available. If you wish you can get a lawyer to help you, because it can be a strain doing it by yourself. There are also quite a few legal and paralegal firms offering their expert services in this area.

So ask First Credit Debt Collectors for a copy of the original contract when you took out your loan or credit card.

Even better, start an unenforceable credit agreement application here. If you want to check, in addition, missold PPI and recover all the credit card charges you've paid over the last 6 years (plus 8% interest) it costs an upfront fee of only £99 for a full audit to see what you're entitled to. Click here for more.

 

DPC Registry is registered and regulated under the Data Protection Act. Reg. No. Z1620707 and licenced by the Office of Fair Trading. Consumer Credit Licence No. 633327.

 

 

More Data On First Credit Debt Collectors

 

If you have any information that you would like honest people to know about First Credit Debt Collectors then send us an email in complete confidence and we will try to corroborate it with the clowns involved.

 

 

 

This First Credit Debt Collectors website is part of DPC Registry website group. All rights reserved. Complaints Against First Credit debt collectors.

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