CCA check

[Still Waving]

See this link

https://www.barclaycard.co.uk/person...ssion%20first.

"Depending on their reason, these companies could either have done a hard or soft search. But it’s important to remember that nobody can do a hard credit check without getting your permission first."

On the other hand -
https://www.equifax.co.uk/resources/...y%20you%20owe.

"Debt collection agencies

When you first apply to take out a loan, you agree to allow the lender to check your credit report.

If you can't repay a debt and it's passed to a debt collection agency, the debt collectors have a right to search your credit report to get a snapshot of your financial situation and make appropriate decisions on how to best collect the money you owe."

[dmdm85]

Hi, yes they drop off in around 7 months but another hard search would remain on their for 2 years I believe. I thought that may be the case regarding credit checks. I will just suck it up and carry on ignoring them.

[Still Waving]

Hi

The first question is does this (and others) debt still appear on your credit reports? If so, your credit score must already be affected.

As I understand it many entities can make hard credit checks, even employers and landlords.

[dmdm85]

Hi all, I have not been around for a while as things have been pretty quiet other than letters from intrum asking me to pay. Today I received a letter saying if I did not contact them they would carry out a hard debt collection search on my credit file. They done one just over 2 years ago which has now been removed. My question is can they do this? I assumed that a company would have to be FCA registered to carry out a hard credit search which intrum UK finance limited are not. Can I put a complaint in to the FCA or ombudsman about this? Many thanks.

[dmdm85]

They're just saying "job done" which it is from your point of view - they won't be calling on you. they're claiming victory by reconnecting you, but you weren't really disconnected anyway. If they had called and nobody was at home, they would just have left a card asking you to contact their client, and from their point of view, job done too.

I think you're inclined to overthink everything. Relax, don't worry.

Thanks yes I do overthink things sometimes, just wasn't expecting them to back off that easily. Thanks for your advice.

[Still Waving]

Ok so I sent the letter by email to resolvecall and stated that I had also sent to themselves and Intrum via royal mail special delivery. Within an hour of sending this is the response I received. Seems a bit of a strange one. Any thoughts on this?

Thank you for taking the time to contact us and for advising this information.

We can confirm that as you have now made contact with Resolvecall, we have closed this matter and are in the process of returning this back to our client. Our role was to reconnect you to the client directly.

Can we please ask that you now keep in contact with our client directly you can also contact our client on 0173 723 5269 with account number ******for all further assistance.

They're just saying "job done" which it is from your point of view - they won't be calling on you. they're claiming victory by reconnecting you, but you weren't really disconnected anyway. If they had called and nobody was at home, they would just have left a card asking you to contact their client, and from their point of view, job done too.

I think you're inclined to overthink everything. Relax, don't worry.

[dmdm85]

Ok so I sent the letter by email to resolvecall and stated that I had also sent to themselves and Intrum via royal mail special delivery. Within an hour of sending this is the response I received. Seems a bit of a strange one. Any thoughts on this?

Thank you for taking the time to contact us and for advising this information.

We can confirm that as you have now made contact with Resolvecall, we have closed this matter and are in the process of returning this back to our client. Our role was to reconnect you to the client directly.

Can we please ask that you now keep in contact with our client directly you can also contact our client on 0173 723 5269 with account number ******for all further assistance.

[Still Waving]

Hi all just another quick couple of questions. This is a general question regarding all debt purchasers, why do they not request the original paperwork from the original lender before chasing us for it? Do they wait until we ask them to prove it? Surely if they were considering legal action they would gather all of this info first?

I guess it is a matter of scale. The original creditors sell off their accounts to debt purchasers for a small fraction of the value. The expectation of the purchasers is that most of the debtors are not sufficiently clued up to put up a fight, particularly if court action is taken, and they get judgment by default.

[Still Waving]

Probably SnotCall) oppsss Scotcall same company just different name now.?

Could well have been. I do remember that they were based in Scotland.

[Night Monkey]

...why do they not request the original paperwork from the original lender before chasing us for it?

...the system is a batch of accounts with name/address/account numbers and amount.

And sometimes, I believe, part of the deal is that any additional documentation cannot be requested following the sale. Presumably this keeps the admin & therefore costs at a minimum.

...why would they only be chasing one of the debts? Especially as this is the smaller of the two.

I've yet to see any logic in a debt purchaser's escalation. In my case PRA came after me for an account without a CCA, and ignored what I thought was the more enforceable one. Who knows?

[dmdm85]

Not the way debt purchasers operate, the system is a batch of accounts with name/address/account numbers and amount. that is all., anything else subject to action on recovery if they need evidence if they have trouble later down line.

As far as any other accounts who knows? might action later! do not remind them (do they hold the other accounts?)

Letter by Email? send both ways but get proof posting, do you have "Sales handy reports"? on email you use as it tells you when an email is opened?, if not send by Royal Mail get free proof posting or pay Recorded Delivery get signature in case of doubt!?

Thanks. Yes the intrum one I just sent special next day signed for. I stupidly left the resolvecall one at home this morning so was going to send by email then recorded delivery aswell tomorrow morning.

[The Tech Clerk]

see what pans out eventually - their move next?

[dmdm85]

Tesco Bank Personal loan brought by Intrum UK finance limited in Jan 2022
Opened online June 2017 original amount £24,500
Last full payment date September 2018
Regular £43 monthly payments from Feb 2021 to Nov 2021.
Remaining balance £21,000 (sorry balance was wrong in the original diary).
No CCA request sent on this SAR sent to Tesco Bank 15th April
Letters indicating they will take court action. Latest letters offering a discount to settle without court action.
SAR received from Tesco bank Fri 27th May CCA received in SAR sent to Niddy who has confirmed looks enforceable.

Yes they also have this one. Not heard anything on this for nearly a year now. Used to get letters for both accounts delivered at the same time.

[The Tech Clerk]

Not the way debt purchasers operate, the system is a batch of accounts with name/address/account numbers and amount. that is all., anything else subject to action on recovery if they need evidence if they have trouble later down line.

As far as any other accounts who knows? might action later! do not remind them (do they hold the other accounts?)

Letter by Email? send both ways but get proof posting, do you have "Sales handy reports"? on email you use as it tells you when an email is opened?, if not send by Royal Mail get free proof posting or pay Recorded Delivery get signature in case of doubt!?

[dmdm85]

Hi all just another quick couple of questions. This is a general question regarding all debt purchasers, why do they not request the original paperwork from the original lender before chasing us for it? Do they wait until we ask them to prove it? Surely if they were considering legal action they would gather all of this info first?

Secondly more in relation to my case, why would they only be chasing one of the debts? Especially as this is the smaller of the two. I never seem to hear anything in relation to the other one I have with them.

Is it also possible to email the letter to resolveacall or should it always be by post? I am guessing posting is the best way?