Complaints Against 1st Credit Ltd Reigate




















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

1st Credit Ltd

Flight Delay Compensation Claims


1st Credit is a debt purchasing company or debt collecting company which is 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 1st Credit), 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 1st Credit is 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.

There are several courses that are open to you, and some will suit your own situation better than others.

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.

As 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.


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DPC Registry.


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]
Extra Data:
In February 2009 1st Credit were severely reprimanded by the Office of Fair Trading.


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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.





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 page is part of DPC Registry. Consumer Credit Licence .

Please be aware that figures entered 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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