Intrum

[nightwatch]

Hi.

we had a credit card with RBS, they unfortunately (for them) somehow "miss filed" the CCA, so it was never paid again, from 2012.

Intrum, when buying the debt, get a bulk lot, so no paperwork with any of them, sometimes the stipulation of buying for a cheap price is that they are not granted sight of any paperwork,
So, sending a DSAR, now free, not £10, to RBS may be an Idea to find out what information they hold.

even though the debt is now no longer on your credit file, you have been making your payments to Intrum, this keeps the debt alive and they may well threaten solicitors and court, doesn't always mean they will do it, but better to know what paperwork they can get.
they need the CCA to take it to court, unless you contact them stating anything that could say, "Hello, yes this is my account". asking for information under a DSAR, won't do this, as you are sending it to RBS.

if you find there is no CCA in your info, when Intrum turn up the heat for mor money, you could then send them a CCA request.

they have asked Resolvecall to FIND you, you haven't replied to their letters, so they need to know that it is you at the address they have written to, If anyone does call to your home, you don't even need to say you are the person they are looking for.

as for the I&E, they would like to find out what your income is, if you own your home, if you have a partner that could pay your debt, even though they shouldn't, the debt is yours not theirs, but they do try, bless them.
Yes they would like to see you increase your payment to them, it is nearing Christmas, the time of office parties, M&S mince pies are dearer than Lidl.

NW

[Still Waving]

Ok thank you, that’s reassuring ?

If they were to accept £1000 or less I would be very tempted to pay that to get rid of it.

As I said - unlikely. Their offer was what - in the region of £2700?

Have you considered that the account may not be enforceable? A Subject Access Request to RBS would find out whether they can produce an original agreement which is compliant with the regulations. There is a template letter on AAD.

[EmmaD1983]

Ok thank you, that’s reassuring ?

If they were to accept £1000 or less I would be very tempted to pay that to get rid of it.

[Still Waving]

First things first - try not to worry. This is how these people work, they try to harrass you into paying more. You are in the right place now to get support and suggestions as to how to proceed.

Sending them an I&E will not mean they won't decide to take you to court at some stage. However, that is not the situation yet. If they want to take you to court they have to follow the legal protocols, which means they have to give you notice, and you time to respond.

As I said, they try to maximise their returns from the people they manage to frighten. They are unlikely to accept (what you would consider) a low settlement offer.

[EmmaD1983]

Thanks so much for the reply.

Yes sorry the account was sold to Intrum by RBS ?

So if I just do nothing I assume that if at any point they decide to take it to court I would be warned about this and I could send them an I&E form to stop them from doing so? It’s just got me so worried how they are all of a sudden putting pressure on when I’ve been paying them something the whole time.

Yes I assumed they would have paid a low amount for the debt. In fact if I was sure they would accept a really low offer to clear it I would probably do it just to get them off my backs.

Thank you I will wait to get some advise on the CCA side of things!

[Still Waving]

Hi

Just to clarify - you say Intrum took over the debt in 2019. Do you mean RBS sold the account to them? (Accuracy is everything, as I used to say.)

How likely are Intrum to get to the point of issuing a CCJ if I don’t contact them to provide an I&E form?

Do not complete an I&E form. They can't force you to, and you don't want to give them any info you don't need to. Only a Court can order you to complete an I&E.

if I provide them with an I&E form, can they request proof eg bank statements?

See above.

Is it worth me doing a CCA request (I had never heard of this until I came across this site), and if I do this, are they any more likely to threaten me with a CCJ if they can provide a copy of it?

There are 2 schools of thought on this. See what others advise. You might be better doing a Subject Access Request (free) to RBS, to see what they hold concerning the agreement.


Intrum are trying to maximise the return on their investment - ie the pittance they paid RBS for the debt.

[EmmaD1983]

• Type of account Tesco Personal Finance (Personal Loan)
• Date commenced February 2004
• Approx balance £6637.41
• Date last paid Last full payment approx 2007
• Are you on arrangement or not paying Paying £10 per month to Intrum since they took over the debt in Jan 2019
• Status Removed from credit report
• Account owner Intrum

Hello

im new to this so I hope I’ve posted this in the correct place!

Since my account with RBS went into default, I have continued to pay a reduced payment each month, even after it was removed from my credit report (after 6 years from default). Intrum took over the debt in Jan 2019. I continued to pay them £10 per month (as I had been to RBS prior). They have sent me letters every now and again saying they want to make sure the amount I am paying is affordable (which I never responded to as I was happy to continue paying the £10 per month). They have also written to me offering me around 60% off the balance if I settle in full (which if I could afford it I would). However more recently they have asked me for an income and expenditure form. I hadn’t responded to this.

They sent me a letter on 21st Sept advising they are instructing Resolvecall to pay me a home visit unless I contacted them within 7 days. I’ve now had a letter from Resolvecall asking me to contact Intrum within 7 days and they have mentioned a home visit too. I’m not too worried about this as from researching on here, I’m aware they have no power to enter my home etc.

I was always under the impression that once the loan/default was removed from my credit report, as long as I continued to pay something, it wouldn’t go any further. To be totally honest, if I provide them with an I&E form I worry I am going to end up having to increase my payments.

My questions are:

How likely are Intrum to get to the point of issuing a CCJ if I don’t contact them to provide an I&E form?

if I provide them with an I&E form, can they request proof eg bank statements?

Is it worth me doing a CCA request (I had never heard of this until I came across this site), and if I do this, are they any more likely to threaten me with a CCJ if they can provide a copy of it?

Any advice would be gratefully received. Thank you in advance!