Intrum

[EmmaD1983]

I have now set up a diary for this under the unenforceable diaries thread

[Roger]

Thanks Roger.
I have taken a look at the threads you linked.
So with the fact that Tesco were administered by RBS until May 2012, does that mean it is less likely they would still be able to locate the paperwork if I ask for it? Sorry if I missed the point there

Well there has to be a reason why the Debt wasn't sold before and who was legally responsible for Statutary Notices and indeed selling the Debt. Was RBS only the administrator or owner? Was Tesco a branding but RBS the bankers? Who was responsible for the Data and Documents?
As an illustration M&S Bank is part of the HSBC Group!

There is also the Iron Mountain fire 2006. This may or may not be an issue here! I am aware of certain Banks where Iron Mountain appears in SAR!
The SAR will tell you what paperwork is available or not!

[Still Waving]

Not to their registered address.

Data Protection Officer, Tesco Bank, Broadway One, 199 Renfield Street, Glasgow, G2 3AX

[EmmaD1983]

If Tesco/RBS don't have the CCA , they won't have passed it to Intrum.

As I said in my post. Most debts are sold in a job lot, there is no paperwork passed over with them, there would be tons of it, even if sent by computer.
The buyers then hope that people, like yourself, will carry on paying, hopefully increasing payments, without any questions.
If one asked for a Copy of the Original account, the company then have to ask the Original owner of the debt for it, because they keep that information at point of sale.

As for not getting into your account, They prefer you to pay by DD, so the problem with your account could be. They want you to contact them.

NW

Thank you for explaining that, that makes sense

I did wonder if they’d somehow blocked me from logging into my account to prompt me to contact them!

So I’m thinking my next course of action on this, as per your previous reply, is to send an SAR to Tesco Personal Finance. Their address appears to have changed since the letter I received from them in 2019. I’m seeing two different ones come up online, one is the registered office address for Tesco Personal Finance (on Companies House) - 2 South Gyle Crescent, Edinburgh, EH12 9FQ and the other one according to their own website is Tesco Bank Loan Operations, PO Box 27014, Broadway One, Glasgow, G2 9FE. The letter I had from them in 2019 was an office in Glasgow, just a different address so I’m inclined to think the latter might be the better option?

Thanks again for your help!

[EmmaD1983]

Well done!
Make sure you update your Diary with this information.

Intrum UK Finance Limited Not Authorised to issue claim
See Joanna Connolly Entry here explaining this (its dated 8th June 2022)
https://all-about-debt.co.uk/forum/d...im#post1545170


The AAD diaries are a wealth of knowledge - See RBS administration of Tesco Personal Finance!
See here " Tesco CC (under Tesco Personal Finance) was administered by Royal Bank of Scotland until May 2012 "
https://all-about-debt.co.uk/forum/d...92#post1539892

The SAR needs to go to Tesco Bank
Your Diary entry has the Original 2004 and Default 2008 SO under RBS administration! (before May 2012)

Any CCA Request would go to Intrum.

I hope you can now begin understand there are already issues with your Case.

Record details in your Diary for you own benefit! Don't discuss or otherwise with Intrum! Good Diaries make for good decisions!
Silence and a watchful eye is the way forward.

Thanks Roger.

I have taken a look at the threads you linked.

So with the fact that Tesco were administered by RBS until May 2012, does that mean it is less likely they would still be able to locate the paperwork if I ask for it? Sorry if I missed the point there

[The Tech Clerk]

CCA Request send with £1.00 postal order and keep copy update diary and get free proof posting, only if advised on here to submit the request later.

[nightwatch]

If Tesco/RBS don't have the CCA , they won't have passed it to Intrum.

As I said in my post. Most debts are sold in a job lot, there is no paperwork passed over with them, there would be tons of it, even if sent by computer.
The buyers then hope that people, like yourself, will carry on paying, hopefully increasing payments, without any questions.
If one asked for a Copy of the Original account, the company then have to ask the Original owner of the debt for it, because they keep that information at point of sale.

As for not getting into your account, They prefer you to pay by DD, so the problem with your account could be. They want you to contact them.

NW

[Timewilltell]

Oh Dear Emma, for your exemplary payment record Intrum reward you by harassing you for more money!! How spoilt do they want to be at a time when many people are on the brink of poverty.
Now that’s hardly surprising is it, they have someone who is actually making regular payments so of course why not tap them up for more, when on the other hand they have people like me who stopped paying and will not respond to any of their begging letters -offers or no offers. so they want you to subsidise my non payments.

Your choices: Be an Intrum hero or defect to reality, the likelihood of them having ALL the relevant documents is quite likely negligible, as said if any of them had the necessary papers then why haven’t they tackled you sooner????

you will often find that you learn more by what they don’t do than what they do do.

personally I’d sit back, have a little drink watch a little telly do some knitting if so inclined but most importantly relax.

not only do Intrum have paperwork issues they have licensing issues so their problems are greater than yours.
Personally I’d stop payments and do nothing until such time a letter before claim arrives likely to be at least 5years away? Sure if you want to do a Sar request to Tesco then do but likelihood is Tesco haven’t had any comms with intrum since purchase/sale.
sure they will pester you regularly but seeing as it is not on credit file there isn’t much they can do.
Then sit back for SB.

[Roger]

Well done!
Make sure you update your Diary with this information.

Intrum UK Finance Limited Not Authorised to issue claim
See Joanna Connolly Entry here explaining this (its dated 8th June 2022)
https://all-about-debt.co.uk/forum/d...im#post1545170


The AAD diaries are a wealth of knowledge - See RBS administration of Tesco Personal Finance!
See here " Tesco CC (under Tesco Personal Finance) was administered by Royal Bank of Scotland until May 2012 "
https://all-about-debt.co.uk/forum/d...92#post1539892

The SAR needs to go to Tesco Bank
Your Diary entry has the Original 2004 and Default 2008 SO under RBS administration! (before May 2012)

Any CCA Request would go to Intrum.

I hope you can now begin understand there are already issues with your Case.

Record details in your Diary for you own benefit! Don't discuss or otherwise with Intrum! Good Diaries make for good decisions!
Silence and a watchful eye is the way forward.

[EmmaD1983]

Thank you all for your helpful replies today, im really glad i came across this site as you have given me a lot of useful information.

I have spent some time this afternoon going through some of my old paperwork in relation to the loan/debt.

So i had said that the loan was through RBS, however it was actually through Tesco Personal Finance. The payments i had been making prior to Intrum were to RBS (i believe they are connected in some way to Tesco Personal Finance, which is probably why).

The original loan amount was £20900 back on 25/2/2004. The current balance is £6637.41.

The account went into default on 27/8/2008. It went through Tesco Bank Collections and Tesco Bank Recoveries before being transferred to Intrum.

I have located the original letter i received from Tesco Bank Recoveries on 31/1/2019, informing me that they are transferring / assigning the debt to Intrum UK Finance Limited. Not sure if it is of any help but i have attached a copy of this letter. I understand from another thread i was reading that there were issues with Intrum UK Finance Limited (something to do with them not being FCA registered?). Although the letter gives their contact details as Intrum UK Limited. So im not sure if this changes anything.

Just to add as well, i tried to log in to my Intrum account this afternoon (as this is how i make my payment of £10 to them each month) - but it says the account details i am using to log in arent recognised? I last logged in on 1st September so i have no idea whats going on there.

Still Waving - no i hadnt considered that the loan might no longer be enforceable (i have just continued to pay it as i thought at the time it was the right thing to do).

Nightwatch - In relation to what you said about contacting the original provider (now Tesco Personal Finance, not RBS) to request any information they hold, even if they confirm they dont hold the relevant paperwork, is there not still a chance that Intrum might have been given a copy of the CCA when they purchased the debt? Also you've put my mind at rest regarding Resolvecall, i will try to avoid them if they come knocking

Roger - I have no idea why it took to long for Tesco to pass the debt on to Intrum - the default date was 27/8/2008 - it took them until 31/1/2019 to pass it on to Intrum.

The Tech Clerk - thank you for the template! I will just await response to this update then use that to send to Tesco Bank

Thank you all in advance for your help

[The Tech Clerk]

Name & address date
Their name address



Dear Sirs,

Reference: A/C:-

Subject access requests under Article 15 of the retained EU law version of the General Data Protection Regulation ((EU) 2016/679) (UK GDPR) or (if adapted) under the DPA 2018 for personal data not covered by the UK GDPR.


Subject access under these acts, I hereby request that you supply me with any and all historical data in your possession which relates to me and that I am entitled to under section 7(1) of the Act.

Please supply me with a copy of all information your company holds on me including

A list of accounts and details of payments along with copies of statements.

Under the Data Protection Act 1984 and 1998, DPA2018., and including the right of Enter Date:-

To include any manual intervention (no crossing out (original)).

If you store any of the older records on microfiche, please be aware that the Information Commissioner deems this to be a relevant filing system under the Act. As such, any microfiche data must be sent to me in fully legible and comprehensible form.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my business with you.

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. .

You have 30 days in which to comply.

Yours faithfully,


send free no charge but get free proof posting

[nightwatch]

. Point noted.

Rbs passed ours to some one, then I ignored them, suddenly 5 years later ir was taken back by RBS and sold on.

I still ignored them, got a , You will pay us or else letter,
replied with a do you have something to link me to this alleged debt. ( it was Hubbys not mine) silence ever since.

[Roger]

errr Roger, they say it is with INTRUM, not LINK.

Aargh!! different predator! But EmmaD1983 has been dutifully and honestly paying for years and is now being hounded!!
The debt written off against tax relief years ago! This old bad debt was brought for peanuts Jan 2019 well Intrum have had 43 months * 10.00 = £430.00.
Not counting the RBS say 12 years 2007-2019 = £1,440.00. Between them close to £2,000.

Its nolonger Credit Reported!
There is a question over just why RBS didn't sell this for 12 years!! There is a reason!

[nightwatch]

errr Roger, they say it is with INTRUM, not LINK.

[Roger]

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.

If Link are going to SUE they will irrespective of whether you are paying or not! They are being aggressive as they know and the world knows we are in recession! Costs escalating and they are simply trying it in!

Well I wonder if after 18 years RBS could produce anything!
You say ".. Intrum took over the debt in Jan 2019 .." So RBS did nothing for 12 years!!!
This debt nolonger shows on your Credit Report so your credit rating is unaffected.

Doesn't that strike you as strange that RBS didn't SUE?

In the past AAD would have suggested send Link a CCA request (plus £1) and stop paying!

The CCA has changed over the years and 2004 might prove difficult for Link to find an Enforcible CCA as well as other Statuary Documents!
Link may be writing to you but there will have been a specific Company within that group who were assigned the debt!
Can you provide the name of that Link Company!

Still Waving suggestion is a good idea sending a SAR to RBS.
It seems pretty obvious that RBS sold an Old Debt cheaply (pennies in the pound) to Link because RBS couldn't sue!