1st credit hfc statement

[joedempsey]

i need help with this again...

This statement came with a CCA request ... now the funny bit is 1st crud purchased the debt outright in january in 2007
so in my eyes HFC would have no legal control over this account.

yet this statement supposedly to be from HFC sent by first credit says statement for 5-dec 2005 - 26th may 2010.
can this be right?

never seen this statement before and never heard of a company sending a statement for an account they sold 3 years earlier

strange? or not genuine?

regards joe

[joedempsey]

Re: 1st credit hfc statement

An update on this one even more strange..looking at the CCA request we received the date on the agreement was 11/2005 yet a address check on a credit report says confirmed by1st credit on 5/2005 6 months even before they say the account was taken out,??????

[Kati]

Re: 1st credit hfc statement

[MENTION=55034]nemesis45[/MENTION] [MENTION=37786]FlamingParrot[/MENTION] ??

[FlamingParrot]

Re: 1st credit hfc statement

i need help with this again...

This statement came with a CCA request ... now the funny bit is 1st crud purchased the debt outright in january in 2007
so in my eyes HFC would have no legal control over this account.

yet this statement supposedly to be from HFC sent by first credit says statement for 5-dec 2005 - 26th may 2010.
can this be right?

never seen this statement before and never heard of a company sending a statement for an account they sold 3 years earlier

strange? or not genuine?

regards joe

Although you posted the statement back in April I've only seen it now. It gives the dates 5-Dec 2005 - 26th May 2010but it actually cuts off in April 2007 so the period they've typed up is wrong but the statement doesn't cover up to 2010. Did you make any payments after April 2007? If not, there's hardly any reason to concern yourself with the details of this account as it would be well and truly statute barred. :whoo:

An update on this one even more strange..looking at the CCA request we received the date on the agreement was 11/2005 yet a address check on a credit report says confirmed by1st credit on 5/2005 6 months even before they say the account was taken out,??????

The attached statement starts in December 2005 so It would seem to match the November 2005 date. Do you remember whether you applied for the loan in the Spring or just before Xmas? It would also be useful if you could post up the agreement. :typing:

[nemesis45]

Re: 1st credit hfc statement

An update on this one even more strange..looking at the CCA request we received the date on the agreement was 11/2005 yet a address check on a credit report says confirmed by1st credit on 5/2005 6 months even before they say the account was taken out,??????

Looks Like an archive copy statement sent instead of a " current " statement of the account that must be sent with a CCA request.
Can we see a redacted copy of your credit report entry for this please.?

nem

[joedempsey]

Re: 1st credit hfc statement

Looks Like an archive copy statement sent instead of a " current " statement of the account that must be sent with a CCA request.
Can we see a redacted copy of your credit report entry for this please.?

nem

thanks for the reply.

There is nothing on her credit report regarding this debt.. the only thing on her report is a confirmation of an address reported by first credit.
which states first confirmed april 2005 last confirmed 2012.

we have a letter stating this was purchased by first credit in 2007.

my concern why would HFC send them a statement with 2010 on it.

Also bear in mind its not stat barred cos she has been paying £5 a month on this since 2005.
i was also very surprised when i sent for her CCA request both came back within a week.
I only sent them a CCA request when they started getting heavy on the letters.
I wrote back with my concerns about the statement they never replied only sending a 50% discount letter. paid at £!2 a month for 8 years.
She has had no letters since my complaint. NOTHING.

[joedempsey]

Re: 1st credit hfc statement

here is the 1 page agreement received

[nemesis45]

Re: 1st credit hfc statement

thanks for the reply.

There is nothing on her credit report regarding this debt.. the only thing on her report is a confirmation of an address reported by first credit.
which states first confirmed april 2005 last confirmed 2012.

we have a letter stating this was purchased by first credit in 2007.

my concern why would HFC send them a statement with 2010 on it.

Also bear in mind its not stat barred cos she has been paying £5 a month on this since 2005.
i was also very surprised when i sent for her CCA request both came back within a week.
I only sent them a CCA request when they started getting heavy on the letters.
I wrote back with my concerns about the statement they never replied only sending a 50% discount letter. paid at £!2 a month for 8 years.
She has had no letters since my complaint. NOTHING.

I know what I would do and that's send a letter to HFC with a copy of the statement and demand an explanation in a formal complaint .

It is suspicious I agree, cost of a stamp to get an explanation, a Formal Complaint obliges the recipient to investigate and respond within 56 days.

nem

[joedempsey]

Re: 1st credit hfc statement

I know what I would do and that's send a letter to HFC with a copy of the statement and demand an explanation in a formal complaint .

It is suspicious I agree, cost of a stamp to get an explanation, a Formal Complaint obliges the recipient to investigate and respond within 56 days.

nem

Thanks for the reply nemesis.

Just what i was thinking... i have done SAR request with HFC but we are just playing letter tennis.
on our 3rd attempt now each time the demands get better like she needs to confirm with a certified copy of passport signed by a judge.
managed to get an apology letter back saying please submit your original request and certified copy of [passport yet again and then ring this number.

She rang the number today they said she need s to send confirmed passport signed again explained she's done it now 3 times.

I think we need a deadlock letter from HFC because its getting nowhere this SAR request.

[nemesis45]

Re: 1st credit hfc statement

Thanks for the reply nemesis.

Just what i was thinking... i have done SAR request with HFC but we are just playing letter tennis.
on our 3rd attempt now each time the demands get better like she needs to confirm with a certified copy of passport signed by a judge.
managed to get an apology letter back saying please submit your original request and certified copy of [passport yet again and then ring this number.

She rang the number today they said she need s to send confirmed passport signed again explained she's done it now 3 times.

I think we need a deadlock letter from HFC because its getting nowhere this SAR request.

Time to talk to the ICO, the more I hear of this the more it makes me suspicious.#
Give the ICO a ring and tell them what's happening.

nem

[joedempsey]

Re: 1st credit hfc statement

Time to talk to the ICO, the more I hear of this the more it makes me suspicious.#
Give the ICO a ring and tell them what's happening.

nem

thanks nem ...but do you really thing that statement is from HFC?

[nemesis45]

Re: 1st credit hfc statement

thanks nem ...but do you really thing that statement is from HFC?

The way the statement is shaded on the copy makes me think it is, there is maybe a possibility that it's been
" manipulated" by someone only HFC is going to be able to comment on that.

nem

[joedempsey]

Re: 1st credit hfc statement

Thanks nem just what i thought..another complaint to HFC it is then and another one to 1st credit politely referring that i dont thinks its from HFC.

keep you posted

[nemesis45]

Re: 1st credit hfc statement

Thanks nem just what i thought..another complaint to HFC it is then and another one to 1st credit politely referring that i dont thinks its from HFC.

keep you posted

Ok Joe Thanks.

nem

[joedempsey]

Re: 1st credit hfc statement

hello all finally update on this one...after complaining and trying to get HFC to comply with a SAR request which took 8 complaints over a year and intervention from the FOS. i received a huge pack of old accounts which my partner had with HFC.
i tried my luck and applied for PPI claim.
some account were even from the 1990s all contained massive interest rates and PPI to our surprise HFC (now HSBC) Offered just short of £4000.

but what surprised me most is the debt 1st credit has been chasing the agreement they sent posted on page #7 this thread.
HFC have no knowledge of this account and nothing related to it was in the SAR package.
looking back on the Agreement on #7 the account number is written in pen at the top of the page. and all the accounts she had with HFC had the account number printed at the top of each agreement
i did send a complaint to 1st credit outlining all the issues and regards the statement they sent along with the agreement (#1) and the fact they purchased in 2007 but the statement says account up to 2010.

1st credit never responded to our complaints and nothing was heard from them since that letter in 2015 (she still paying £5 a month)
until recently when the letters have become weekly asking to get in touch and your debt wont go away letters.

any thoughts ? or ideas ?