CCA check

[dmdm85]

Should I send the SAR to Tesco now or should I wait in case there is more interaction between them and intrum to capture? Not sure how this works really.

[The Tech Clerk]

Moorcroft hoping to make money getting you to pay (On commissions)

[dmdm85]

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 the debt.

Update for letter received from PRA to say Moorcroft are recovering the debt.

[dmdm85]

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.

[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
Remaining balance £21,000 (sorry balance was wrong in the original diary).
No CCA request sent on this

Updated to confirm debt purchased by Intrum UK finance limited.

[Roger]

Apologies it wouldn't let me attach the images but the letter from Tesco Bank and from intrum both clearly state intrum UK finance limited. The company number at the bottom of intrums initial correspondence is 04140507.

Intrum UK Finance Limited - this company is not FCA registered

So Intrum UK Limited is FCA registered Intrum UK Limited (fca.org.uk)
BUT Intrum UK Finance Limited isn't FCA registered

see here
Intrum UK Finance - AAD Consumer Forum (all-about-debt.co.uk)

So Make a note in your records and Diary of whom the legal owner is
Details like this are important!!

[dmdm85]

Apologies it wouldn't let me attach the images but the letter from Tesco Bank and from intrum both clearly state intrum UK finance limited. The company number at the bottom of intrums initial correspondence is 04140507.

[dmdm85]

".. Tesco Bank Personal loan brought by intrum in Jan 2022 .."

Intrum are writing to you BUT you need to look at the letter you would have received in or about Jan 2022

Most likely it would have said something like the following of which this is an example !

".. Letter received from Intrum informing me that Intrum UK Finance Limited became the legal owner of the balance on dd/mm/yyyy. Notice if assignment from Tesco also enclosed .."

The name you need to find is the legal owner!! In the example thats ".. Intrum UK Finance Limited.."
Itrum will be writing to you but its the legal owner that you need to identify!


I hope the above helps you!

Ok so I think I may have found what I needed I have attached images of the letters below (personal details blurred out hopefully) from both Tesco Bank and intrum from when the debt was assigned to them. It does clearly state it was taken over by Intrum UK finance limited. Now the intrum letter attached here has the same FCA registration number at the bottom but is a different company number to the one I attached earlier of the latest later they sent me. Is this the kind of info I am looking for here? Thanks guys.

[Roger]

Hi according to their letters they are registered and it seems to suggest they are when looking on the FCA website using the numbers shown in the image below.

".. Tesco Bank Personal loan brought by intrum in Jan 2022 .."

Intrum are writing to you BUT you need to look at the letter you would have received in or about Jan 2022

Most likely it would have said something like the following of which this is an example !

".. Letter received from Intrum informing me that Intrum UK Finance Limited became the legal owner of the balance on dd/mm/yyyy. Notice if assignment from Tesco also enclosed .."

The name you need to find is the legal owner!! In the example thats ".. Intrum UK Finance Limited.."
Itrum will be writing to you but its the legal owner that you need to identify!


I hope the above helps you!

[dmdm85]

Hi according to their letters they are registered and it seems to suggest they are when looking on the FCA website using the numbers shown in the image below.

[Ballister]

Intrum UK Finance Limited - this company is not FCA registered

[dmdm85]

Ok thank you I will get this sent off in the next couple of days. I have done a search using the company number and the FCA number at the bottom of the letters they have sent. This comes up with Intrum UK limited. Is this what I was looking for it is there another sub company within Intrum UK limited? Thanks.

[Timewilltell]

When you get the Sar it will tell you whom it was sold too.

[The Tech Clerk]

Subject Access (SAR) - Typical Request -- ADJUST i.e:- DELETE THE LINE £10 fee ( No longer required since 2016) aslo amend the 40 days to read 30 get free proof posting keep copy on file and update diary

[dmdm85]

Thanks again guys is there a template letter for an SAR. Also how would I find out which part of intrum group? I didn't realise there were multiple parts the letters just say intrum. Thanks