Harassment from Intrum

[a718671076]

Hi guys,

I have posted about Intrum in my original post, but think this deserves another thread as the adivce might benefit other people if they are experiencing the same terrible behaviour from Intrum.

Intrum have bought a debt from Tesco worth £2,000. I previously had a payment plan with Tesco set up for £1 a month. Intrum contacted me for the 1st time on the 30/06/21 and since then they have been calling me at least 3 times a day, this has peaked at 7. Around 3 weeks later I went onto their site filled out a income and expenditure from, and it said you cant afford to pay us now, we'll give you 30 days breathing space. This was on the 24th of July, since then they have still kept calling me 3+ times a day and leaving messages. Yesterday I got annoyed with them, call them back and said this is affecting my mental health, you agreed to not call me for 30 days yet nothing has changed. The agent informed me a hold has been put on the account and I would not receive any more calls for 30 days, I also said I would like to raise a complaint. Today they have carried on like nothing had changed, 2 calls already today and its only 10.33am and they have already left a message.

Can I report them to somebody for harassment or what else would you advise?

Thanks

[The Tech Clerk]

please keep to one thread stops confusion

[a718671076]

I feel like this is a separate issue though. Its more generic what people can do if they are being harassed, not unique to my situation. Also this way its not hidden half way though a thread if they search for the title it will be easier to find.

[The Tech Clerk]

your situation is not uncommon., it has been the system for decades as many of us know. if peeps search then by company name all the same info is afforded they can read through the actual situation.

[Colin G Quinn]

Hi,

In order to stop the calls I would suggest simply blocking their number.

The problem with having completed an I/E is that you have more than likely just extended the Limitation period for a further 6 years. Plus, they will likely now deem you to be 'keen' to pay.

In terms of complaining, other than complaining to Intrum direct (which you say hasn't worked) there aren't many places to turn. Because Intrum are not authorised by the FCA, the likes of the Financial Ombudsman won't deal with any complaints, as they have no jurisdiction to do so.

The loss of a consumer protections arising out of alleged assignments to unauthorised companies is a matter we take great issue with in cases whereby we represent consumers in legal proceedings, and is an area in which Joanna specialises.

[a718671076]

The issue was, because I already had a payment plan with Tesco, and have been paying them for almost 3 years now, the limitation was being extended every month. The main reason I was in contact with them was because I didnt want them sending worrying letters to my mums address with me not living there, I'll send a CCA in the next month see what they come back with

[The Tech Clerk]

a company i was paying token, took me to court as they have every right to, i found out

[PlanB]

I went onto their site filled out a income and expenditure from, and it said you cant afford to pay us now, we'll give you 30 days breathing space. This was on the 24th of July, since then they have still kept calling me 3+ times a day and leaving messages. Yesterday I got annoyed with them, call them back and said this is affecting my mental health, you agreed to not call me for 30 days yet nothing has changed. The agent informed me a hold has been put on the account and I would not receive any more calls for 30 days, I also said I would like to raise a complaint. Today they have carried on like nothing had changed, 2 calls already today and its only 10.33am and they have already left a message.

Can I report them to somebody for harassment or what else would you advise?

Hello again

I'm sorry to hear you're still being bullied by a debt purchaser despite their promise to suppress phone calls.

This forum has a 'Telephone Harassment' letter which you can send but the problem is you are currently living overseas (I've read and posted on your other thread).

If you have made contact with Intrum online does this mean they have your email address, and if they do then you could perhaps email them the forum template letter?

Did you also take the opportunity to give them your address in Cyprus which is the address that Tesco had on their records before the debt was assigned?

You've been paying Tesco the £1 token payment up until recently to keep them off your back while you have had more important things to worry about. Tesco were forwarding that payment to Intrum for around six months so they (Intrum) know that was the agreement which I think they said could continue in a letter sent to you.

Intrum have gone a step further and told you that they don't feel you can afford to pay them so have given you 30 days breathing space.

I don't know when you plan to return to the UK but you said that would be sooner rather than later. If no one is bothering you then maybe wait to send the CCA Requests until they do, although there are only a couple who have kept in contact so maybe best to leaves those ones alone for now.



Di

[Still Waving]

a company i was paying token, took me to court as they have every right to, i found out

I had the same experience with one of my creditors, Hitachi Capital, back in 2011 (I think). They took me to court even though I was paying under an arrangement set up by a free debt management organisation. I attended the Court, and the CC judge felt they were a bit naughty, but STILL confirmed the application for a charge on my property.

That experience made me angry, so I started doing some research, and found AAD in 2012. My eyes were opened, and being guided by the fantastic knowledge base and the wonderful contributors here I decided to get on the front foot. In all sincerity, it took a huge weight off me and turned my life around. I still had years of correspondence to deal with from my various creditors, but the difference was that I then had the upper hand.

[Mrreese6018]

I found intrum quite the opposite they just kept sending letters saying pay now and right off between 60-80% of the debt, but i did change my number, i have got around 50 days left before the debt is statute barred and if they do send me a lbc i will make sure i send the a cca request which arrives on day 28 of my 30 days and the pray they cant get the details in time for the statute barred date.

[Colin G Quinn]

Hi,

Don't forget, a CCA request doesn't mean they would be debarred from issuing a Claim, if the request is outstanding it just means they are not entitled to Judgment until such a time that the request has been complied with, and the Court is satisfied of the same (if you have filed a defence to any Claim issued).

They can issue a Claim whilst in breach of a request in order to prevent the debt becoming statute barred, and then allow the Claim to become stayed whilst they await documentation/information from the original creditor, or whatever the 'source' of their documentation/information is.

Whether their is a moral argument as to whether they should 1. issue a Claim simply to prevent limitation taking effect, and 2. issue a Claim without any knowledge as to whether or not the requisite documents are available and whether or not the agreement is enforceable, is another question. However, creditors are known to do this.

[Mrreese6018]

Could this not be argued that hey you have had 6 years why have you left it until now to issue a claim, can they issue a claim before the LBC expires?

[Colin G Quinn]

Hi,

They can issue at any time, as long as they are within the 6 year period. However, yes, a Letter of Claim has to have been served and expired before a Claim is issued.

[PlanB]

i have got around 50 days left before the debt is statute barred and if they do send me a lbc i will make sure i send the a cca request which arrives on day 28 of my 30 days and the pray they cant get the details in time for the statute barred date.

You are tantalizingly close to Statute Barred so definitely stay off the radar!

Even if they do source (or reconstitute) a credit agreement that doesn't mean it will be enforceable. Forum members can send agreements to Niddy (Never-In-Doubt the forum owner) for checking if needed.

In my Santander v Diana Mayhew case the Claimant successfully argued that they had complied with s78 CCA Request because they sent me 'something' but that something didn't comply with their other statutory duties so they lost the case > https://www.bbc.co.uk/news/business-17670803

Read the judgment here > https://www.bailii.org/ew/cases/Misc/2012/14.html

So if they issue before the debt is SB you could have other arguments to prevent them from obtaining a CCJ.

Di

[Colin G Quinn]

Hi again,

Just to clarify, a creditor does not have to actually issue a Letter of Claim. If there is a compelling reason not to do so, such as Limitation being imminent.