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  • New to me DCA or I suspect!

    Evening all, just a quick enquiry if I may, I have just checked my Credit report with Noddle and noticed a search has been done a couple of days ago by a DCA named as Intrum UK ltd. strange thing is I have no idea who they are or what they may be sneeking for? I suspect I may receive a 'welcome' letter from them soon, so anybody had dealings with them. any curve balls I should be aware of other than the usual drivel?
    Thanks in advance.

  • #2
    Originally posted by Timewilltell View Post
    I have just checked my Credit report with Noddle and noticed a search has been done a couple of days ago by a DCA named as Intrum UK ltd. strange thing is I have no idea who they are or what they may be sneeking for

    1st Credit Ltd changed their name to Intrum UK Limited on 1st March 2018.

    Intrum is not a Debt Collection Agency they are a debt purchaser.

    Links to Companies House (which may time out) > https://beta.companieshouse.gov.uk/c...filing-history https://document-api-images-prod.s3....12b43c657a2bc1

    Do you have a debt with 1st Credit (now Intrum) which you'd like some help?

    Di
    Last edited by Diana Mayhew; 31st January 2019, 23:27.
    Legal Disclaimer

    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

    Comment


    • #3
      that's the thing Di, I've never had anything with 1st Credit nor Intrum, This suggests they have purchased one of the dead donkeys, cant wait for the post!

      Comment


      • #4
        So I’ve arrived home and have a letter from a ‘credit ‘security ltd’ which don’t appear to be part of intrum, can anybody throw any light on who these may be?
        From their letter they are ‘specialist debt collection agency’ does that make them anymore significant?

        it still leaves me wondering what intrum wanted in my credit file?

        Comment


        • #5

          Credit Security Limited
          Established 1966
          Registered Number 922180
          Authorised and regulated by the Financial Conduct Authority

          The Old Court House | High Street | Whitchurch | Aylesbury | Buckinghamshire | HP22 4JS
          Tel: 01296 642 100
          Fax: 01296 642 752

          not much on their site -
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment


          • #6
            CSL, i think one of my accounts was passed to them,
            if i remember correctly ( 6 years is a long time) i sent a CCA request, they send back a letter saying they needed £1 fee.
            I replied with, you had the fee you cashed it the same day that you typed this letter, please have a whip round in the cashiers department as i expect a reply to the CCA request in 14 days.

            i never got one, they passed it back to the OC.
            toothless wonders,

            specialist tea drinker NW

            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment


            • #7
              I agree with NW they were quite easy to get rid of.
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment


              • #8
                Originally posted by Timewilltell View Post
                have a letter from a ‘credit ‘security ltd’ which don’t appear to be part of intrum, can anybody throw any light on who these may be?
                From their letter they are ‘specialist debt collection agency

                Does the letter name the creditor or debt owner (or business/company) who they are acting as agent for and/or the amount which may give you a clue?

                Di
                Legal Disclaimer

                I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                Comment


                • #9
                  Diana Mayhew this is owned by Lloyd’s loanof substantial amount.

                  Thanks to to all who have replied.

                  Comment


                  • #10
                    Originally posted by Timewilltell View Post
                    Diana Mayhew this is owned by Lloyd’s loanof substantial amount.

                    It's not possible to comment meaningfully without knowing the full history of this debt, so why not start a Diary where you can list all nine of your debts to get help using this format >
                    • Type of account (credit card/loan/overdraft/catalogue)
                    • Date commenced (ideally before April 2007)
                    • Approx balance
                    • Date last paid (approximate date you last made a FULL payment)
                    • Are you on arrangement or not paying
                    • Status (default/in arrears/up-to-date)
                    • Account owner (who is writing to you, the original lender or a debt purchaser or a DCA )

                    I can see you started a thread last July but didn't provide any information at the time > https://all-about-debt.co.uk/forum/f...-a-quick-intro

                    It may be possible to merge your threads so everything is in one place.

                    Di

                    Legal Disclaimer

                    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                    Comment


                    • #11
                      Update:
                      as I Thought these have purchased a CC from the OC which I had been paying a nominal £5pm too for many years. So now let the games begin! I’ll stop payments until they can provide sufficient proof that they not only own but have a legal claim to collect. When I make it home I’ll take a closer look at the letter that arrived today to read the ‘small’ print as it didn’t sound correct over the phone. ??

                      Comment


                      • #12
                        Originally posted by Timewilltell View Post
                        Update:
                        as I Thought these have purchased a CC from the OC which I had been paying a nominal £5pm too for many years. So now let the games begin! I’ll stop payments until they can provide sufficient proof that they not only own but have a legal claim to collect. When I make it home I’ll take a closer look at the letter that arrived today to read the ‘small’ print as it didn’t sound correct over the phone. ??
                        Its unwise to suggest or advise without more detailed information.
                        what is " .. SUFFICIENT PROOF .. LEGAL CLAIM TO COLLECT .." ???
                        I would reiterate here Di's advice "..IT IS NOT POSSIBLE TO COMMENT MEANINGLFULLY WITHOUT KNOWING THE FULL HISTORY OF THIS DEBT .."

                        Originally posted by Diana Mayhew View Post

                        It's not possible to comment meaningfully without knowing the full history of this debt, so why not start a Diary where you can list all nine of your debts to get help using this format >
                        • Type of account (credit card/loan/overdraft/catalogue)
                        • Date commenced (ideally before April 2007)
                        • Approx balance
                        • Date last paid (approximate date you last made a FULL payment)
                        • Are you on arrangement or not paying
                        • Status (default/in arrears/up-to-date)
                        • Account owner (who is writing to you, the original lender or a debt purchaser or a DCA )

                        I can see you started a thread last July but didn't provide any information at the time > https://all-about-debt.co.uk/forum/f...-a-quick-intro

                        It may be possible to merge your threads so everything is in one place.
                        Di

                        Comment


                        • #13
                          So thanks for assistance so far, I will when the time calls start a full on diary, at the moment I feel that I can handle the situation as it stands.

                          only question I would ask is; Is there a standard format to which constitutes a Notice of Assignment? are there set items/terms that should be stated, perhaps a heading Notice of Assignment for example? Or do these cretins tend to issue a Notice in a more subtle way, such as only making reference to the fact they have been assigned?

                          Thanks as always.

                          Comment


                          • #14
                            Originally posted by Timewilltell View Post
                            So thanks for assistance so far, I will when the time calls start a full on diary, at the moment I feel that I can handle the situation as it stands.

                            only question I would ask is; Is there a standard format to which constitutes a Notice of Assignment? are there set items/terms that should be stated, perhaps a heading Notice of Assignment for example? Or do these cretins tend to issue a Notice in a more subtle way, such as only making reference to the fact they have been assigned?

                            Thanks as always.
                            Why are you asking?
                            I personally would be reluctant to give what could only be generalised advice without at least a rudimental knowledge of a specific and particular Case.
                            Cases do vary!
                            AAD does provide through the webmaster a service to look at responses to CCA S 77/78 (plus £1) requests.
                            If you have such documents I would advise sending unredacted copies to Niddy but he will almost certainly want to look at the background (diary entry).
                            I personally regret not starting the AAD Diary process right from the beginning.
                            My advice and that shared by AADers is that creating a Diary is the best way actually take control of your debts
                            AAD advice will then be Current in response to the Actual Diary.

                            Comment


                            • #15
                              I value your comments Roger, I'm just very wary about putting too much info up too soon because I understand that these cretins also read the web! I have heard of cases whereby the solicitor produces screenshots from forums etc, so I think probably best not too draw too much attention whilst I'm still managing, Rightly or wrongly I guess? I still respect the opinions of those with greater experience on this forum, perhaps I'm being over cautious?

                              In respect to my question, having received an intro letter from this Intrum people it merely makes a fleeting reference to debt being assigned but doesn't not use the words ' Notice of Assignment' ?

                              Comment

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