CCA check

[dmdm85]

To be honest I know I can't really send the second letter it is just what I feel like saying to them along with some stronger words. Personally I have no problem whatsoever in telling anyone that comes to my doorstep where to go but I work away a lot and I know it would send my wife in to a panic and stress her out massively if she answered the door to them. Anyway I have attached what I wrote down with personal details removed. I am sure I'm not the only one that has felt like this with some of these debt purchasers.

[The Tech Clerk]

best sit on hands , many letters ignored they have no power shut door and say nothing!

[Still Waving]

Hi all thanks for the help. I have now completed the letter and will send recorded delivery first thing Monday morning. I have also written a separate letter mainly out of frustration which I would like to ask somebody to read over as a second opinion before I send it just to make sure I have not written anything that could go against me. I know this may sound slightly strange but I am now at the stage where I think maybe I should just embrace things a little and play them at their own game and maybe even try to entertain myself along the way. Even if I don't send this second letter I feel slightly better for writing it down.

Write it down to ease your frustrations by all means, but the golden rule is NOT to engage with them unless you REALLY HAVE TO. Radio silence all the way. If you weren't so concerned about Resolvecall visiting, I would not even recommend sending the Doorstep Visit letter.

[The Tech Clerk]

copy letter up here minus personal details

[dmdm85]

Hi all thanks for the help. I have now completed the letter and will send recorded delivery first thing Monday morning. I have also written a separate letter mainly out of frustration which I would like to ask somebody to read over as a second opinion before I send it just to make sure I have not written anything that could go against me. I know this may sound slightly strange but I am now at the stage where I think maybe I should just embrace things a little and play them at their own game and maybe even try to entertain myself along the way. Even if I don't send this second letter I feel slightly better for writing it down.

[Pat]

So only things like admitting to "the alleged debt" or making a payment towards it would set the clock running again? Is the harassment letter different to the doorstep letter?

The two letters are the same - see the link in the Tech Clerk's post. This will not reset the clock as you do not actually say you owe anyone anything- just you feel harassed. The common opinion is that you would need to make a payment or admit the debt in writing BUT as most phone calls are recorded, do not admit it over the phone. The best option is, if caught on the phone, refuse to do security and just politely say you only communicate in writing. Some are better than others at getting you to engage and while I do not agree with what they are doing- they are only trying to earn a living so please be polite tempting as it maybe to tell them to do one.

Remember if you are unlucky enough to be on the dreadful Universal Credit, you are monitored about job applications and you can not turn an offer down without the risk of sanctions.

[dmdm85]

Send it to whichever company is currently writing to you. Dear Sirs is fine, and quote the references shown on the letter.

Thank you

[Still Waving]

Sorry guys a few more questions, do I need to address the letter to a name or just Dear Sirs? Also should I address it to intrum UK Finance LTD or just Intrum UK? This is the confusing bit as the letter of assignment clearly states Intrum UK Finance LTD and their registered company number but all other letters are from Intrum UK with a different registered company number.

Send it to whichever company is currently writing to you. Dear Sirs is fine, and quote the references shown on the letter.

[dmdm85]

Sold to Intrum whilst in dispute because CCA sent by Tesco UE
12th Nov 2022 Lester Aldridge had a word in Intrum legal department's ears a NO GO!
Harassment letter template won't restart the clock!

You are doing really WELL. Its true isn't it they are Harassing you with an UE Account!!
They are running out of options aren't they!

Silence is golden and with the SAR and a Good Diary you are in control here

So only things like admitting to "the alleged debt" or making a payment towards it would set the clock running again? Is the harassment letter different to the doorstep letter?

[Roger]

" ..
CCA request previously sent to tesco bank thought to be unenforceable SAR sent to Tesco Bank 15th April
SAR received from Tesco bank Fri 27th May.
CCA received in SAR sent to Niddy who has again confirmed it looks to be unenforceable.
..
Letter received from Intrum today 4th October to state they have passed my account on to Lester Aldridge to pursue.
Letter received on 12th November 2022 from Intrum legal department saying they have reviewed my account and decided not to issue litigation proceedings at this time and will pass it back on to the collections department.
..
Yes I have a digital record of all letters sent and all the letters I have received. I have not had a single contact with intrum I have so far ignored all correspondence. I assume the harassment letter will not reset any clock?
.."

Sold to Intrum whilst in dispute because CCA sent by Tesco UE
12th Nov 2022 Lester Aldridge had a word in Intrum legal department's ears a NO GO!
Harassment letter template won't restart the clock!

You are doing really WELL. Its true isn't it they are Harassing you with an UE Account!!
They are running out of options aren't they!

Silence is golden and with the SAR and a Good Diary you are in control here

[dmdm85]

Sorry guys a few more questions, do I need to address the letter to a name or just Dear Sirs? Also should I address it to intrum UK Finance LTD or just Intrum UK? This is the confusing bit as the letter of assignment clearly states Intrum UK Finance LTD and their registered company number but all other letters are from Intrum UK with a different registered company number.

[dmdm85]

Intrum in my experience are like a rabbit I
in Headlights if you send them an official letter such as doorstep harassment. I have had them write to me offering resolvecall visit I kindly declined via letter to both them and resolvecall and never had anyone show up, but I do get regular ‘we love you letters with an 80% discount !!!’ I have even mixed and they have followed me!! Maybe they really do love me ??

can they be done for stalking if they continue???

Sorry I'm confused what do you mean by mixed? Did you send the letter straight to intrum before you heard from resolveacall?

[dmdm85]

Personally I wouldn't be paying them, they've already said they've decided not to issue litigation. You will need to send the harassment letter to Intrum, as you haven't yet had any communication from Resolvecall. As already mentioned you will probably still get a visit from Resolvecall, and probably no response from Intrum, but a copy of your letter will be added to the evidence file records that you keep (don't you). If Resolvecall do write before turning up, send them the doorstep letter.

Yes I have a digital record of all letters sent and all the letters I have received. I have not had a single contact with intrum I have so far ignored all correspondence. I assume the harassment letter will not reset any clock?

[Timewilltell]

Intrum in my experience are like a rabbit I
in Headlights if you send them an official letter such as doorstep harassment. I have had them write to me offering resolvecall visit I kindly declined via letter to both them and resolvecall and never had anyone show up, but I do get regular ‘we love you letters with an 80% discount !!!’ I have even mixed and they have followed me!! Maybe they really do love me ??

can they be done for stalking if they continue???

[Still Waving]

So it is not worth taking up the 80% discount in people's opinion? Who should I send the letter to intrum or resolveacall or both of them? Thanks guys.

Personally I wouldn't be paying them, they've already said they've decided not to issue litigation. You will need to send the harassment letter to Intrum, as you haven't yet had any communication from Resolvecall. As already mentioned you will probably still get a visit from Resolvecall, and probably no response from Intrum, but a copy of your letter will be added to the evidence file records that you keep (don't you). If Resolvecall do write before turning up, send them the doorstep letter.