Thanks for your reply.
If Di thought it was UE, then I would think it is.
Unfortunately , Di is no longer on the site due to ill health.
you could send a formal CCA request to Intrum, using the template from this site, along with the £1 fee, get proof of posting, see what they send back, it may be the same as wescot sent. It may not.
but it may halt the letters,
They don't know if you have any idea if it is UE or not, because they don't either.
They buy the debts in a job lot, with little or no information and take the chance of getting some money out of a few using the scare tactits.
NW
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Originally posted by dmdm85 View Post
Hi ok so this is what happened. The debt was passed over to Wescot to handle who I had an email from. At that stage I was responding to letters etc as I was not on this forum. I emailed back to say I was not replying to any contact as i was going to send Tesco Bank a CCA request. A week or so after I had a CCA sent to me from wescot saying please find documents attached after your recent request. I still have these letters and I forwarded them on to Di who had a look and said it was not an enforceable agreement. So in theory I am not sure if this is an official CCA request as I never actually sent Tesco Bank the letter direct. With regards to my loan account that Intrum have purchased I have never sent a CCA request for this. I would be extremely surprised if this was not enforceable as it was opened online in 2016. Intrum however do not seem to send many letters relating to this account only the smaller credit card debt which I find a bit strange.
This information is of the greatest importance. The CCA request plus £1(I surmise this didn't happen) however Wescot was then the Agent. Was this before Intrum purchased the two Debts? Westcot obviously asked Tesco Bank for the CCA. This should show in the SAR! The point is does Intrum or Tesco know that the the CCA request excluded the £1? AND YOU DON'T WANT TO GIVE INTRUM THE OPPURTUNITY TO PUT THIS RIGHT!
As regards the Loan (which is UNSECURED? ) it may have been an online application BUT what is pertinent was it was in part used to repay existing Debt! Tesco surely didn't pay out this amount without questioning the purpose of the Loan! The how and what you actually did with the monies curiously is less important. Your ability to show repayment of existing Debt is pertinent. The fact that Intrum are NOT climbing all over you over this Debt IS significant!
The SAR here is important because Intrum cannot know more than what Tesco have/hold!
Tactics are important! So is knowledge. Sit tight and wait for their next move!
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Originally posted by nightwatch View Post
hi, as I said in an earlier post
THEY CAN'T JUST ISSUE A CCJ.
as others have said, they have to follow rule and regulations to even start the court process, it is not going to happen over night.
they are trying ( and winning) to frighten you into paying them.
So they MAY start off accepting a low payment from you, then will keep badgering you to increase it, then out of the blue will still issue court papers, because you have paid them, they will use that as an admission that you accept they have a legal right to claim for the debt.
Can I ask why the debt was thought to be UE.
I know mine was UE because they never did sent the correct T&C's from inception, just kept passing it to different collection agencys, who always sent T&C's from odd dates, every time I sent a sold in dispute letter.
NW
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1st Credit got into trouble with the regulator because of using Bankruptcy proceeds against Consumer Credit Debts.
They threatened Me but AAD kept me well informed and it all faded away!
You are holding the Cards here! Look these Debts are unsecured and low priority. This means that your living Costs take precedence over Unsecured Debt! With increasing food prices, fuel and rising living Costs my surmise is there won't be any surplus monies. Threaten what they may but they will not get an instant CCJ and if they were foolish enough to start that process the Court can't force blood out of a stone! Wouldn't it be great £1 per month for ever!
So one thing at a time. The first have to issue a Letter Before Claim (LBC) and wait 30 days before going further and if a LBC turns up contact Colin G Quinn first consultation is free.
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Originally posted by dmdm85 View Post
Updated for new letter received today stating they are going to get a CCJ against me if I do not contact them by 19th May.
THEY CAN'T JUST ISSUE A CCJ.
as others have said, they have to follow rule and regulations to even start the court process, it is not going to happen over night.
they are trying ( and winning) to frighten you into paying them.
So they MAY start off accepting a low payment from you, then will keep badgering you to increase it, then out of the blue will still issue court papers, because you have paid them, they will use that as an admission that you accept they have a legal right to claim for the debt.
Can I ask why the debt was thought to be UE.
I know mine was UE because they never did sent the correct T&C's from inception, just kept passing it to different collection agencys, who always sent T&C's from odd dates, every time I sent a sold in dispute letter.
NW
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There is a thing called legal law that they have to abide too before they can get a CCJ. This is the part of the game that they very often fall foul too.
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As advised post up a redacted version of the letter, I suspect it’s more they’ve got the hump because you are not playing their game.
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On checking back through some old posts, it seems Intrum are reverting back to the old 1st Credit way of working.
play nice isn't working, let's frighten the sh1t out of them.
I think they were once warned by the OFT, about threatening court action when they had no intention of taking it.
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...they are going to get a CCJ against me
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Originally posted by dmdm85 View PostTesco Bank Credit card purchased by Intrum UK finance limited Jan 2022
opened online 2004
Last full payment date September 2018
No payments made for the last 11 months
Remaining balance £10,000
CCA request previously sent to tesco bank thought to be unenforceable SAR sent to Tesco Bank 15th April
Letters indicating they will take court action. Latest letters offering a discount to settle without court action. Letter received 06/05/22 dated 28th April to say they are getting ready for legal action.
Another letter received dated 09/05/2022 from the legal department stating they are in charge of getting a CCJ against me. The letter says if I do not get in touch by 19/05/2022 their solicitors will apply for a CCJ.
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Can I just add that this thread shows another benefit of an accurate diary - the chances are that someone else on this site has already been through what's worrying you, and seeing how it's played out before can help wind back the nerves and prevent a panic reaction.
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post office signatures waste of time that site , you will hear back soon from companies then you know they have received, post office vastly increased price for recorded delivery etc, hoping you pay double for a signature at the next level the way royal mail work.
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