Intrum

[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!

[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]

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]

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]

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]

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.

[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

[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!

[nightwatch]

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

[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]

. 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.

[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

[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

[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.

[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.