What
To Do If You Get A Nasty Letter or Phone Call From:
1st Credit Ltd

1st
Credit is a debt purchasing company or debt collecting company which
is listed in the website of the
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.
Name: 1st Credit
Ltd Reigate
Also Known As: First Credit, 1st Cretins, First Cretins, etc.
Address: The Omnibus Building, Lesbourne Road, Reigate, Surrey RH2 7JP
Telephone: 01737 228555
Fax: 01737 228564
Email: USER [AT] 1stcreditltd.com
Extra Data: In
February 2009 1st Credit were severely reprimanded by the Office of Fair
Trading.

1st Credit and
the Truth About Your Debt

1st Credit is a
company which has purchased the delinquent account from the original
lender (or in some cases another debt purchasing company) for a small
percentage of the original value of the account and is brazenly attempting
to get the full sum of the original from you.
1st Credit will
use all sorts of nasty methods to get you to set up a standing order
in order to make money from you. You may already have had bad and terrifying
experiences of them. They may phone you up at odd times and do this
many times every day. They may write official appearing nastily worded
letters or cards threatening that they will come round to collect the
full amount or take you to court if you cannot pay. Their other strategies
will include attempting to make a charging order on your home or in
some way cause you great personal suffering.
So ask 1st Credit
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.
Want to be in a
much better position to manage your affairs? Challenge your debts and
reclaim all your credit card charges over 6 years. For more details
about this Ministry of Justice licenced service see Help
For Debt Problems.
More Data
On 1st Credit
1st Credit Work tooth in claw with their
solicitors, LCS Solicitors, also of Reigate and possibly a subsidiary,
who specialise in bothering people by phone. They like to leave messages
on answering machines the the effect that you should phone them on
a "very important" matter (of course, it's important to
them that you phone them; it's important to you that you don't. Because
if you phone them they will be able to say things to you orally that
they would not dare put in writing because they would not be able
to get away with it.
Also,
I wonder if the person who phones up is really a qualified solicitor
- he had the demeanour of an aggressive telesales wide boy. Not the
kind of fellow you'd associate with chambers!
Personal
Testimony from Contributor: I was being hounded by phone calls from
LCS Solicitors on behalf of 1st Credit and they were phoning me up
to 4 times a day. This frequency got greater and greater up until
one Monday evening (10th November 2008) when the BBC's Panorama programme
did a little expose of them (1st Credit) and they suddenly stopped
phoning. In fact they seem to have ignored that dead account completely
- they've stopped phoning entirely and it's been like that for weeks.
I can't get a peep out of them. I wonder why?
In
February 2009 1st Credit were severely reprimanded by the Office of
Fair Trading for heavy handed practices. Read the full account at
the OFT's website here.
If
you have any information that you would like honest people to know
about 1st Credit then send us an email in complete confidence and
we will try to corroborate it with the clowns involved.

This
1st Credit Ltd Reigate website is part of DPC Registry website group.
All rights reserved. Complaints Against 1st Credit.
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Credit
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DPCRegistry
is a trading name of Credit Clear UK Ltd. Registered in England and
Wales. Company registration number 06606100. Credit Clear UK Ltd is
regulated by the Ministry of Justice in respect of regulated claims
management activities. Its registration is recorded on the website www.claimsregulation.gov.uk.
Registration Authorisation number CRM 13650.