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  • The Tech Clerk
    replied
    they may this /that /other? template letter sounds of it! who says thought to be unenforceable?

    Leave a comment:


  • dmdm85
    replied
    "Tesco Bank Personal loan brought by intrum 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"
    "Tesco Bank Credit card purchased by intrum 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"

    So I have been receiving daily phone calls/letters from intrum which I have completely ignored. Yesterday I had a letter which stated they may take legal action if I do not get in touch to arrange a payment plan and enclosed a budget sheet. I assume this is now something i now need to reply to? Thanks all.

    Leave a comment:


  • Still Waving
    replied
    Hi

    The idea with diaries is that you bring forward the original info when you are advising the forum of the latest situation. So, in your post above you are referring to two accounts, and it helps everyone if there are two new posts with their respective histories copy/pasted forward.

    Leave a comment:


  • dmdm85
    replied
    Hi all just a quick update as I seem to have missed a few replies on here. Yes the debt is assigned to Intrum UK based in Surrey. I have had daily phone calls/texts and regular letters asking me to contact them but nothing more as of yet. I have ignored every contact so far.
    An update on my PRA account, they have now passed this on to moorcroft to collect. Moorcroft have not purchased it they are just trying to collect it. Again I have ignored all contact with both PRA and Moorcroft so far.

    Leave a comment:


  • Roger
    replied
    Now is the time to start fleshing out your Diaries for each Debt.
    Good Diaries make for Good Decisions. You will find that perhaps matters are far from conclusive.
    A starting point would be checking exactly which Company in the Intrum group has been assigned each of your two debts!
    That would be Intrum UK Finance Limited by any chance?

    Make notes update your Diaries and Sit on your Hands!

    Leave a comment:


  • The Tech Clerk
    replied
    Decades ago out in civvy street no job got one as a traveller for GUS (Alexandre Sloane) you know the type a round the area buy now and pay so much a week my round every week different towns. if bad debt we would have to send out Letter No 1 then No 2/ etc from each drawer. that is happening to you at the moment.,, any serious stuff later.

    Leave a comment:


  • The Tech Clerk
    replied
    just some tumbledown office jockey sending out press 1 then press 2 etc., unti/if they send next template sit on your hands as see what next.

    Leave a comment:


  • Night Monkey
    replied
    I just have a bad feeling about the action they are going to take.
    Which is exactly what they want you to feel, so that you'll agree to something just to feel less threatened.

    Everything you've received so far has been informational rather than directly threatening. Keep the faith, do nothing at the moment and post here for advice when you receive anything else.

    Leave a comment:


  • The Tech Clerk
    replied
    await their next move. those are just assignment notices.

    Leave a comment:


  • Still Waving
    replied
    Originally posted by Ballister View Post
    Hi - I am currently dealing with Intrum re a previous Tesco debt. I spoke to Joanna Connelly solicitors the other day for some free initial advice. This has calmed my nerves somewhat after receiving a letter before claim from Intrum. You could try doing the same if that will help you
    The OP hasn't received a letter before claim, so I think it's a bit premature to do that.

    Leave a comment:


  • Still Waving
    replied
    Originally posted by dmdm85 View Post
    Hi thanks for the replys guys. The letters are just to advise me they have taken over ownership and to contact them to set up a plan. I just have a bad feeling about the action they are going to take.
    To quote from Desiderata:

    Nurture strength of spirit to shield you in sudden misfortune. But do not distress yourself with dark imaginings. Many fears are born of fatigue and loneliness.

    Leave a comment:


  • dmdm85
    replied
    Hi thanks for the replys guys. The letters are just to advise me they have taken over ownership and to contact them to set up a plan. I just have a bad feeling about the action they are going to take.

    Leave a comment:


  • Still Waving
    replied
    Originally posted by dmdm85 View Post
    Hi all I have been worrying myself a bit over the last few days with this intrum situation. I am taking the advice and staying silent but I do find myself losing a lot of sleep over this. With the amount of money involved and the loan being reent I am constantly thinking they will soon start to take court action and try to obtain a charging order on my home. I may have scared myself by reading up things on the Internet but I don't really fully understand the steps and processes involved. I know ot sounds silly but I am just looking for reassurance that I am doing the right thing by doing absolutely nothing at this stage. Thanks again to everyone for all the advice.
    Hi

    So you have had letters from Intrum advising that they have purchased the two Tesco debts. Were these just advisory letters, or have they made any demands or threats? If they were just advisory, file them and do nothing. If otherwise, let us know what they are saying. We can't suggest what you do about any letter unless you give us the gist of what they say.

    There are lots of steps before you get to court action, if ever, so do not worry yourself. If push comes to shove, you will always have the option to agree a repayment schedule.

    Leave a comment:


  • Ballister
    replied
    Hi - I am currently dealing with Intrum re a previous Tesco debt. I spoke to Joanna Connelly solicitors the other day for some free initial advice. This has calmed my nerves somewhat after receiving a letter before claim from Intrum. You could try doing the same if that will help you

    Leave a comment:


  • dmdm85
    replied
    Hi all I have been worrying myself a bit over the last few days with this intrum situation. I am taking the advice and staying silent but I do find myself losing a lot of sleep over this. With the amount of money involved and the loan being reent I am constantly thinking they will soon start to take court action and try to obtain a charging order on my home. I may have scared myself by reading up things on the Internet but I don't really fully understand the steps and processes involved. I know ot sounds silly but I am just looking for reassurance that I am doing the right thing by doing absolutely nothing at this stage. Thanks again to everyone for all the advice.

    Leave a comment:

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