is from the MoneySavingExpert site:
best way to stop them forever is to make a complaint through the Office
of Fair Trading. If enough people complain they will remove 1st Credit's
license. 1st Credit are members of the Credit Services Authority (CSA)
who are absolutley useless. I complained through the CSA but they
just photocopied information from 1st Credit onto their letterhead
and sent it to me.
Credit recorded phone calls are never released to the debtor - no
ARE bullies, they ARE offensive, they WILL push you to the limit regardless
of CSA and OFT guidlines. My advice is to keep copies of everything
and refuse to speak to them over the phone.
The Office of Fair Trading have conducted an investigation into the
bahaviour of 1st Credit in a report published on the OFT site 0n 25
February 2009. The report states:
2008, following receipt of an application to vary an associated
company's licence, the OFT carried out an in-depth investigation
into the business practices and procedures employed by companies
operating under the 1st Credit banner. In assessing the companies'
competence to carry out consumer credit activities, the OFT conducted
on-site visits and reviewed complaints received about 1st Credit
Ltd's debt collection practices via consumers, Citizens Advice,
CCCS and Consumer Direct.
will tell whether 1st Credit's manners have improved since this very
official rap on the knuckles!
you have any information that you would like honest people to know
about 1st Credit Debt Collectors then send us an email in complete
confidence and we will try to corroborate it with the clowns involved.