CCA check

[The Tech Clerk]

any more bring over as I have done and up date each and every event/
.

[The Tech Clerk]

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9 February 2022, 15:08
MBNA credit card still with MBNA
Opened online 2016
Last full payment September 2018
Regular £10 monthly payments until now
No CCA request has been sent
Remaining balance £4900

[The Tech Clerk]

• Originally posted by dmdm85 View Post
  Tesco 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
  Updated to confirm debt purchased by Intrum UK finance limited.

  ---

  
  
  AAD Loyalist8 April 2022, 06:37
  Originally posted by dmdm85 View Post
  Barclaycard credit card account now with PRA
  Opened online 2011
  Last full payment made September 2018
  No payments made for 11 months
  No contact from PRA other than the odd email asking me to pay something.
  CCA request previously sent and advised unenforceable
  Remaining Balance £13,000
  March 2022 letter from PRA to state Moorcroft will be chasing

[dmdm85]

Forgive me if I'm mistaken, but you don't appear to have done proper diary updates on your accounts since the original entries in March 2020, only piecemeal new posts. This is not particularly helpful for following the history, and you have been asked before now to update your diaries.

As to what you would be looking for in your SAR bundle - well, whether there is a compliant signed agreement for a start.

Ok so I thought what I had been doing was updating my diary I didn't realise I had been doing this wrong. I do sometimes feel like you are constantly being judged for doing things wrong on here that I am reluctant to ask for help. Do I simply need to edit the original post of do I have to edit and requote the post which is what I thought I had been doing.

[Night Monkey]

For me SAR's have revealed very important information that I wasn't aware off!

Me too. Information I haven't used yet but mine stated that a debt previousy thought compliant was missing vital documentation - I've certainly tucked that little nugget away.

[Still Waving]

Yes the SAR was posted yesterday as I have been working away for the last week. I am not really sure what info I am looking for when this arrives, or is it just something I need to keep for future reference?

Forgive me if I'm mistaken, but you don't appear to have done proper diary updates on your accounts since the original entries in March 2020, only piecemeal new posts. This is not particularly helpful for following the history, and you have been asked before now to update your diaries.

As to what you would be looking for in your SAR bundle - well, whether there is a compliant signed agreement for a start.

[Roger]

Yes the SAR was posted yesterday as I have been working away for the last week. I am not really sure what info I am looking for when this arrives, or is it just something I need to keep for future reference?

For me SAR's have revealed very important information that I wasn't aware off!

[dmdm85]

The SAR will turn up at some point! This will include evidence of correspondence between Intrum and Tesco.
Silent waiting ! They would have to send a Letter Before Claim (LBC) before they can issuing any Claim.
Just deal with one thing at a time!
From your perspective you want to be at the bottom of their list of Jobs to do!

Yes the SAR was posted yesterday as I have been working away for the last week. I am not really sure what info I am looking for when this arrives, or is it just something I need to keep for future reference?

[Roger]

Yes the company number at the bottom right is for intrum and not Intrum UK finance who are actually the debt purchasers. So in theory I am being threatened with legal action from a company that doesn't even own the debt.

The SAR will turn up at some point! This will include evidence of correspondence between Intrum and Tesco.
Silent waiting ! They would have to send a Letter Before Claim (LBC) before they can issuing any Claim.
Just deal with one thing at a time!
From your perspective you want to be at the bottom of their list of Jobs to do!

[dmdm85]

Interesting that the letterhead merely says "Intrum", and does not specify which company is the current owner of the debt.

Yes the company number at the bottom right is for intrum and not Intrum UK finance who are actually the debt purchasers. So in theory I am being threatened with legal action from a company that doesn't even own the debt.

[Timewilltell]

Just ignore, they may even make you a reduced offer of anywhere between 60-80%, but do be sceptical, most of their actions are designed purely to get you to engage with them, with the hope they can restart the SB clock.

[Still Waving]

Ok so I have now received another letter which I am guessing is a letter before claim? Should I now get in touch with intrum? I suspect I will get another one through for my loan after the bank holiday weekend. I have uploaded a copy of the letter here. I am getting really worried about this situation now I don't want this to go to court or end up with a CCJ.

Interesting that the letterhead merely says "Intrum", and does not specify which company is the current owner of the debt.

[The Tech Clerk]

always note the If/ may/possible/refer

[nightwatch]

Ok thank you for the quick reply. I didn't think they were allowed to threaten court action if they were not planning on taking it so just assumed it was a letter before claim. Will the letter before claim come from intrum or their solicitors? Thanks again.

they shouldn't threaten but they do.
you notice they say "Their legal team will Consider action" not that they WILL take it.
need to read between the lines.

Did you send for a CCA for this account?

[dmdm85]

Ok thank you for the quick reply. I didn't think they were allowed to threaten court action if they were not planning on taking it so just assumed it was a letter before claim. Will the letter before claim come from intrum or their solicitors? Thanks again.