Complaints Against First Credit Debt Collectors












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

First Credit Debt Collectors


Flight Delay Compensation Claims


First Credit Debt Collectors is a debt purchasing/selling company listed in the website of the DBSG (The Debt Buyers and Sellers Group) and/or mentioned in consumer finance forms. They have a legitimate function as debt collectors, but there is some indication that some such companies (not necessarily First Credit Debt Collectors), and especially the debt purchasing element, go a bit too far sometimes and can make people's lives a misery when those same people are at their most vulnerable. We do not suggest that they are acting outside the law, but getting that letter or phone call is not exactly helpful to you right now.

So the first thing you must do if First Credit Debt Collectors are bothering you is not to panic or despair. That's just what they want! They'd love you to call their number and speak to their specially trained sales team for 'advice'. But once you do that you'll be suggestible to whatever they tell you, instead of getting independent advice. While we always say that you should keep an open dialogue with debt collectors, we would recommend that you do so in writing only. This will prevent them 'railroading' you into any action which is not in your best interests, as they so love talking people into doing things on the spur of the moment. Of course, they are only doing their job, but that's hardly a consolation for you in the present situation.

A sensible option, we would suggest, is a debt management plan or even an IVA - which is designed to actually write off a large chunk of your unsecured debt. But you would need to take advice on this and look at your income and expenditure in detail. This option won't suit everyone. There's more on this below.

For an alternative you could apply for a 'logbook loan' which many people find a very handy option. It is actually a loan secured on your car, except you get to keep the car and keep the cash as well! That's why some people find it such a good idea, as it unlocks the equity in your vehicle without taking away your means of transport (there's no need to sell the car). To apply for a logbook loan click here.

Yet another option is a no credit-check guarantor loan. This is especially useful because your own credit rating is not looked at; you must find someone else willing to act as a guarantor for you such as a friend or family member. This is an ideal solution if you're at the stage where your credit profile has been downgraded by recent events, etc. So click the following link for Unsecured Loans that don't need you to be credit checked.

If you wanted to try a debt management plan, then we provide a whole-of-market service, with a number of debt management experts on our panel. So whatever your circumstances, your application will find the plan for you, meaning the optimum outcome for your situation. It also means there are no minimum requirements for debt levels or income.

So apply for a debt management plan using the form below.










DPC Registry.



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.


Get a free QuickCreditScore check by applying here.


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.




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.

Please be aware that figures entered into the First Credit Debt Collectors web form (above) need to be accurate by law, and to give the best service to you. It is extremely important that you budget for all necessary expenditure including rent or mortgage, council tax and utility bills, etc., and any other necessary outgoings related to the upkeep of your household and in relation to any specific circumstances which may apply to you or your household. This website only collects data on behalf of debt management professionals, from which it will receive affiliate remuneration for data collection only and does not itself engage in any debt management services. Other debt management options are available and may be more suitable. People entering into an IVA or debt management will have this entered on their credit profile and this may affect their ability to get credit in the short term or even in the long term in some cases. It is free to apply from this website; you will be given advice by debt management professionals and a 'cooling off' period, by law, to decide whether or not the debt management plan is suitable for you, and you should be aware that a fee will be chargeable upon a successful arrangement, as with any commercial transaction. Failure to meet the repayments on an IVA or any debt management programme may result in serious consequences, including, but not limited to, bankruptcy. Bankruptcies, CCJs and similar defaults will be entered into a public register and will remain there for a statutory period of not less than six (6) years.



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Registry of Debt Collectors


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