At long last I am claiming life back

[Selinek]

Citi financial

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £1119
• Date last paid: 2008
• on DMP SC until November 2017
• Now self managed: Not paid November 2017
• Status :defaulted. Defaulted ,dropped off my credit file
• Account owner : 1st Credit
• CCA request sent 11/09/17.

Received letter stating that account is on hold until information has been found.

I know it’s a waiting game

Updates
22/12/17

was only thinking yesterday how quiet it has been. A “true” copy of Agreement bent sent today. Even though my address is there the agreement could be for anything. I could be wrong but I will send to niddy after the festivities. Merry crimbo

29/01/18

Niddy says its . 1st Credit have been in touch expecting to be paid! I would imagine letters and phone calls will start as I am not paying. Any ideas what I do next I don't have the stomach waiting for 6 year statue barred.


Hi Some guidance would be appreciated. I have received a letter from 1st credit paying they are " considering " county court action. What do I need to do ? Had a CCJ some years ago , now got rid and all defaults removed from CF. Credit is looking good , not wanting to undo that.

Thanks in advance

Updates:
February 2018 1st credit sent letters one threatening to consider court action:

Great advice from ADD+ to sent missing PT letter and SAR to Citi Financial


March 2018: Letter from 1st Credit for me to contact them regarding a discount they are willing to offer... FILED away
Letter from Intrum in response to missing PT letter. Of course they believe the agreement in enforceable and want paying . More great advice from ADD+ will send to 2nd agreement to Niddy to be doubly sure and possibly SAR Stepchange as well .

Just waiting for SAR response for Citi Financial , then take it from there


UPDATE: 24/04/18

Received response to SAR. Sent originally to 1st credit. Received a letter from Canada Square operations stating they will be dealing with request. I have received over 400 pages of paperwork. Surprisingly I have received a copy of the EGG loan agreement and credit card agreement made in the early 2000's. These debts are currently owned by Link. I must say I was surprised to see the agreements , baring in mind I had not heard from Link after sending a CCA last year. They have stepped up their phone calls recently. Have I shot myself in the foot by asking for SAR ? Shall I send the EGG agreements to NIDDY to have look at. In terms of Citi financial they have sent another agreement. Apparently according the letter one is the "original CCA" the other is "the current CCA" One has my current address on it the other has my old address on it. It looks like the one sent from 1st credit from CCA request. Shall I send this NIDDY again too. Any advice would be greatly appreciated

Great Advice from Roger . Thank you

Update: 28/06/18

Letter from Intrum dated 24.04.18 informing me of change of name from 1st Credit: Filed

Letter from Intrum dated 15/06/18 offering a reduction off outstanding amount. Ignored filed

Letter from Intrum received today, dated 25/06/18: Heading YOUR ACCOUNT WILL SHORTLY BE PASSED TO OUR INTERNAL LEGAL DEPARTMENT. They go onto to say " your account will be passed our legal department to consider county court proceedings. They then list the consequences of a judgment attachment to earnings , warrant of control charging order. They don't want to pursue this course of action . They have given me 10 days to contact them to prevent further action. Of course I have no intention of contacting them. Do I just wait to hear from their legal department. Just so I'm clear does a letter before claim need to be sent before they actually go ahead and obtain a CCJ?

01/07/18
Just a query : After receiving the letter from Intrum I was prompted to finish wading through the the paper work sent by Canada Square ( acting on behalf of Citi ) ; in reposes to my SAR: all 1100 pages I was confused as they sent me details of my old EGG accounts. Roger put me right ,on why this was the case..what a relief. Had a look at the Citi Financial details sent me. I have all the contract details and application dates etc re EGG accounts but not so much for Citi . Canada square sent me the same copies of the credit agreements requested to 1st Credit. They have been sent what they call "the “original” agreement" with 2003 date interesting part is the year at the top of one agreements is 2008, but statements for citi cards start 2003. Both are the same as ones sent to Niddy. According to the wording from Intrum (see above) they are likely to pass onto their legal team for pursue a CCJ. Will this will discrepancy be my defence ? I know I should wait just want to get in mind what my plans will be.

Thanks in advance

UPDATE 09/07/18
Received letter from intrum's legal department dated 06/07/18 stating the account will be passed to their solicitors with the intention of issuing a letter before claim in accordance with the formal legal proceedings. They have given me 10days to get in touch to arrange payment. No doubt they are going to take matters further. Is there anything I need to do before hand or do I sit tight and be in touch once I receive the LBC.


UPDATE: 31/07/18 Letter from Intrum. Letter dated 17/07/18 responding to Final Response Letter. The are adamant they have complied with the Act with the following reasons. I did precis .. hope it makes sense


The answer section 78 of act . There are various things that maybe omitted...

1)Subject to the following provisions of these regulations , every copy of an executed agreement security instrument or other document referred to in the act and delivered or sent to debtor and any provision of the act should be a true copy thereof

2)There maybe omitted from any such copy

b) Any signature box or date of signature.

Creditors are not required tp provide a copy bearing signatures. They quote "this was confirmed by Judge Waksman in Carey v HSBC 2009. They go on to confirm they canned reconstitued copies which was enclosed with a letter they sent me in December 17. A statement of the terms of the agreement as varied has been provided to me

A statement account given from Dec 17

Compliance with section 61

They have sent an income and expediture for me to complete with a offer of payment

They have put account on hold for 30 days. they will pursue recovering the outstanding amount. Is this a standard letter they send out to give the impression that they are in the right and I am in the wrong?

UPDATE: 01/10/18: 11/08/18: Final response letter sent

Letter from Intrum, dated 20/08/18 responding to above. They wrote they provided a copy agreement with my signature nd varied terms I force at the time. Income and expenditure sheets sent to complete to . Account put on hold leaving with the outstanding monies will be recovered.

Letter from Intrum dated 25/09/18 : Want me to contact to discuss the status of account. If I don't respond in 10 days they may instruct their solicitors to commence legal proceedings : I will wait it out, Filed

UPDATE: 12/11/18

18/10/18: Very nice letter from Intrum giving a statement of account and advising they have convenient options to pay. They go on to talk about GDPR. Interesting baring in mind they were going take action : Filed

05/11/18: Letter from Intrum stating they will not be pursuing litigation at this point after reviewing my account . My account will be transferred from the Legal Department back to collections
I am asked to contact them with 10 days to discuss payment options : Filed will see what happens next

UPDATE:

09/11/18: Letter from intrum offering a 30% discount : Filed

UPDATE: 16/05/19: Letter from intrum offering a 50% discount : Filed

UPDATE: 07/08/19 : Letter from intrum offering a 65% discount: Filed

UPDATE: 13/08/19: Letter from intrum advising if I do not contact the m in 7 days they will pass my account to Resolvecall: Had this before with another company: Will send harassment letter.

[Selinek]

Co-op

• Type of account: credit card
• Date commenced :1996
• Approx balance: £932
• Date last paid: 2008
• on DMP SC
• Status :defaulted. Due to drop off my credit file 11/11/17: Stopped paying November 17
• Account owner : lLink
• CCA Request went 11/09/17
• 05/10/17

received statement of account. States the same as p revious Entry for Co-op. Not sure what to do next, suspect nothing . I’m still paying agreed amount as I have been for 9 years .

UPDATE Still no response to CCA. Plan to do the same as other co-op acct


UPDATE:
4/05/18: Various statement account letters. Most up to date letting me know that the payment arrangement has now been cancelled and for me to contact them within 7 days in order to review income and expenditure , offer specialist support ,redirect me to free advice , consider temporary hold on payments.....Well 7 days has passed, I guess they are contemplating what to do next

UPDATE: 01/10/18 Statement of Account from LINK 31/08/18
Letter from Link dated 25/09/18. Informing me they have been notified that there has Been a change on credit file. Interesting that, not seen on CR when I checked yesterday

UPDATE: 01/03/19: Statement of account from LINK
UPDATE: 28/06/19: letter from LINK telling me my account has been sold to ASSET LINK CAPITAL (NO5) LTD. Also offering 45 monthly payments to clear debt : Filed

[Selinek]

Egg Card

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £1200
• Date last paid: 2008
• on DMP SC
• Status :defaulted. dropped off my credit file
• Account owner : Link Financial

CCA request sent 11/09/17.

Absolutely no response.

3/11/17: received another statement of account. They have used the £1 CCA fee towards the balance. Bloody cheek. They have not complied think it’s about time I stopped payment. Should I send a reminder ? Advice greatly appreciated

01/06/18

Update : 10/05/18: Letter from link saying they are concerned I have not made any payments, much the same blurb as other link accounts
24/05/18: same letter as previous accounts wanting to help . Ignored both letters !


UPDATE: 01/101/8; Letter from Link dated 14/08/18 to contact them to set up a payment plan: Filed

Letter from link dated 17/08/18 The same as above : Filed


UPDATE: 31/03/19 : Statement of account from LINK

UPDATE: letter from LINK wanting me to contact them to discuss payment. Filed

UPDATE 01/07/19 : Letter informing acct sold onto ASSET LINK CAPITAL: offering 45 monthly instalments to clear debt : Filed away

[Selinek]

Citi financial

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £1119
• Date last paid: 2008
• on DMP SC until November 2017
• Now self managed: Not paid November 2017
• Status :defaulted. Defaulted ,dropped off my credit file
• Account owner : 1st Credit
• CCA request sent 11/09/17.

Received letter stating that account is on hold until information has been found.

I know it’s a waiting game

Updates
22/12/17

was only thinking yesterday how quiet it has been. A “true” copy of Agreement bent sent today. Even though my address is there the agreement could be for anything. I could be wrong but I will send to niddy after the festivities. Merry crimbo

29/01/18

Niddy says its . 1st Credit have been in touch expecting to be paid! I would imagine letters and phone calls will start as I am not paying. Any ideas what I do next I don't have the stomach waiting for 6 year statue barred.


Hi Some guidance would be appreciated. I have received a letter from 1st credit paying they are " considering " county court action. What do I need to do ? Had a CCJ some years ago , now got rid and all defaults removed from CF. Credit is looking good , not wanting to undo that.

Thanks in advance

Updates:
February 2018 1st credit sent letters one threatening to consider court action:

Great advice from ADD+ to sent missing PT letter and SAR to Citi Financial


March 2018: Letter from 1st Credit for me to contact them regarding a discount they are willing to offer... FILED away
Letter from Intrum in response to missing PT letter. Of course they believe the agreement in enforceable and want paying . More great advice from ADD+ will send to 2nd agreement to Niddy to be doubly sure and possibly SAR Stepchange as well .

Just waiting for SAR response for Citi Financial , then take it from there


UPDATE: 24/04/18

Received response to SAR. Sent originally to 1st credit. Received a letter from Canada Square operations stating they will be dealing with request. I have received over 400 pages of paperwork. Surprisingly I have received a copy of the EGG loan agreement and credit card agreement made in the early 2000's. These debts are currently owned by Link. I must say I was surprised to see the agreements , baring in mind I had not heard from Link after sending a CCA last year. They have stepped up their phone calls recently. Have I shot myself in the foot by asking for SAR ? Shall I send the EGG agreements to NIDDY to have look at. In terms of Citi financial they have sent another agreement. Apparently according the letter one is the "original CCA" the other is "the current CCA" One has my current address on it the other has my old address on it. It looks like the one sent from 1st credit from CCA request. Shall I send this NIDDY again too. Any advice would be greatly appreciated

Great Advice from Roger . Thank you

Update: 28/06/18

Letter from Intrum dated 24.04.18 informing me of change of name from 1st Credit: Filed

Letter from Intrum dated 15/06/18 offering a reduction off outstanding amount. Ignored filed

Letter from Intrum received today, dated 25/06/18: Heading YOUR ACCOUNT WILL SHORTLY BE PASSED TO OUR INTERNAL LEGAL DEPARTMENT. They go onto to say " your account will be passed our legal department to consider county court proceedings. They then list the consequences of a judgment attachment to earnings , warrant of control charging order. They don't want to pursue this course of action . They have given me 10 days to contact them to prevent further action. Of course I have no intention of contacting them. Do I just wait to hear from their legal department. Just so I'm clear does a letter before claim need to be sent before they actually go ahead and obtain a CCJ?

01/07/18
Just a query : After receiving the letter from Intrum I was prompted to finish wading through the the paper work sent by Canada Square ( acting on behalf of Citi ) ; in reposes to my SAR: all 1100 pages I was confused as they sent me details of my old EGG accounts. Roger put me right ,on why this was the case..what a relief. Had a look at the Citi Financial details sent me. I have all the contract details and application dates etc re EGG accounts but not so much for Citi . Canada square sent me the same copies of the credit agreements requested to 1st Credit. They have been sent what they call "the “original” agreement" with 2003 date interesting part is the year at the top of one agreements is 2008, but statements for citi cards start 2003. Both are the same as ones sent to Niddy. According to the wording from Intrum (see above) they are likely to pass onto their legal team for pursue a CCJ. Will this will discrepancy be my defence ? I know I should wait just want to get in mind what my plans will be.

Thanks in advance

UPDATE 09/07/18
Received letter from intrum's legal department dated 06/07/18 stating the account will be passed to their solicitors with the intention of issuing a letter before claim in accordance with the formal legal proceedings. They have given me 10days to get in touch to arrange payment. No doubt they are going to take matters further. Is there anything I need to do before hand or do I sit tight and be in touch once I receive the LBC.


UPDATE: 31/07/18 Letter from Intrum. Letter dated 17/07/18 responding to Final Response Letter. The are adamant they have complied with the Act with the following reasons. I did precis .. hope it makes sense


The answer section 78 of act . There are various things that maybe omitted...

1)Subject to the following provisions of these regulations , every copy of an executed agreement security instrument or other document referred to in the act and delivered or sent to debtor and any provision of the act should be a true copy thereof

2)There maybe omitted from any such copy

b) Any signature box or date of signature.

Creditors are not required tp provide a copy bearing signatures. They quote "this was confirmed by Judge Waksman in Carey v HSBC 2009. They go on to confirm they canned reconstitued copies which was enclosed with a letter they sent me in December 17. A statement of the terms of the agreement as varied has been provided to me

A statement account given from Dec 17

Compliance with section 61

They have sent an income and expediture for me to complete with a offer of payment

They have put account on hold for 30 days. they will pursue recovering the outstanding amount. Is this a standard letter they send out to give the impression that they are in the right and I am in the wrong?

UPDATE: 01/10/18: 11/08/18: Final response letter sent

Letter from Intrum, dated 20/08/18 responding to above. They wrote they provided a copy agreement with my signature nd varied terms I force at the time. Income and expenditure sheets sent to complete to . Account put on hold leaving with the outstanding monies will be recovered.

Letter from Intrum dated 25/09/18 : Want me to contact to discuss the status of account. If I don't respond in 10 days they may instruct their solicitors to commence legal proceedings : I will wait it out, Filed

UPDATE: 12/11/18

18/10/18: Very nice letter from Intrum giving a statement of account and advising they have convenient options to pay. They go on to talk about GDPR. Interesting baring in mind they were going take action : Filed

05/11/18: Letter from Intrum stating they will not be pursuing litigation at this point after reviewing my account . My account will be transferred from the Legal Department back to collections
I am asked to contact them with 10 days to discuss payment options : Filed will see what happens next

UPDATE:

09/11/18: Letter from intrum offering a 30% discount : Filed

UPDATE: 16/05/19: Letter from intrum offering a 50% discount : Filed

UPDATE: 07/08/19 : Letter from intrum offering a 65% discount: Filed

UPDATE: 13/08/19: Letter from intrum advising if I do not contact the m in 7 days they will pass my account to Resolvecall: Had this before with another company: Will send harassment letter.

UPDATE: Letter from Resolvecall. Dated 19/08/19 received today. I must contact them in 7 days or have a home visit. Door step letter will be send recorded tomorrow. Worked last time, heard they still turned up at someone house, but will see

[The Tech Clerk]

If they call just shut the door it is a commission hopeful , no powers tell to go away.

[MisterK]

This is how it goes if they ring, the door is opened by mistake and Resolvecall badge is not noticed/not worn.

Resolvecall: Mrs Smith?
Mrs Smith: Who are you?
Resolvecall: Mrs Smith?
Mrs Smith: Who are you?
Resolvecall: I'm from Resolvecall...

Mrs Smith shuts door and ignores any further rings for the next 20 minutes (or perhaps for the next hour or so).

If Resolvecall badge is noticed, bypass above conversation.

Hope that helps

I

[Selinek]

If they call just shut the door it is a commission hopeful , no powers tell to go away.

That’s my plan

[Selinek]

This is how it goes if they ring, the door is opened by mistake and Resolvecall badge is not noticed/not worn.

Resolvecall: Mrs Smith?
Mrs Smith: Who are you?
Resolvecall: Mrs Smith?
Mrs Smith: Who are you?
Resolvecall: I'm from Resolvecall...

Mrs Smith shuts door and ignores any further rings for the next 20 minutes (or perhaps for the next hour or so).

If Resolvecall badge is noticed, bypass above conversation.

Hope that helps

I

Thank you misterk it does

[Selinek]

Egg Loan

• Type of account: personal loan
• Date commenced pre 2007
• Approx balance: £799
• Date last paid: 2008
• on DMP SC
• Status :defaulted. dropped off my credit file
• Account owner : NCO Arrow/Capquest

CCA request sent 11/09/17.

Absolutely no response

02/11/17. Received letter from Arrow informing that account is unenforceable. Egg no longer exists right. Does that mean it’s unlikely they will ever find the original agreement. They go on to say they require my proposal for repayment.

Do I stop paying?

UPDATE:

Not paid since November.
.
31/05/18: Statement of account from Arrow. Never had one before. No demand for money mind , but they do say I can settle my account at any time. Interesting

Advice Please:

I received a letter from Canada Square operations saying they have upheld my complaint for PPI. I had forgotten I had sent in a claim, was chancing my luck because I wasn't sure I had any PPI on account . On Friday I got a check for a couple of grand. If I cash the chq will this suggest I am responsible for the debt despite it is unenforceable .

[Joanna Connolly Solicitors]

Egg Loan

• Type of account: personal loan
• Date commenced pre 2007
• Approx balance: £799
• Date last paid: 2008
• on DMP SC
• Status :defaulted. dropped off my credit file
• Account owner : NCO Arrow/Capquest

CCA request sent 11/09/17.

Absolutely no response

02/11/17. Received letter from Arrow informing that account is unenforceable.
UPDATE:

. . . . I received a letter from Canada Square operations saying they have upheld my complaint for PPI. I had forgotten I had sent in a claim, was chancing my luck because I wasn't sure I had any PPI on account . On Friday I got a check for a couple of grand. If I cash the chq will this suggest I am responsible for the debt despite it is unenforceable .

Your debt is no longer owned by Egg (Canada Sq), it's owned by Arrow.

Cash the cheque.

Arrow have already admitted the debt is unenforceable

Christmas has come early for you

Di

[Selinek]

Good to hear . A completely unexpected surprise. Thank you for replying Di .

[Selinek]

• Lloyd’s TSB
  • Type of account: credit card
  • Date commenced pre 2007
  • Approx balance: £545
  • Date last paid: 2008m
  • on DMP SC 21/11/17 cancelled DMP
  • Status :defaulted. dropped off my credit file
  • Account owner :Westcot now assigned to Moorcroft
  
  CCA request sent 11/09/17.
  
  20/09/17 received letter and returned £1 cheque( not one in my name) to either send to the O/C or I request they do it . Not bothered as yet will get onto them
  
  UPDATE: 27/11/17 resent CCA REQUEST making chq payable to LLoyds
  
  
  UPDATE: 30/12/17
  
  Letter from westcot informing acct on hold until Agreement is found. Take as long as you need !
  
  
  UPDATE : 25/02/18
  
  Niddy says. Wescott are expecting to be paid , don't they all!
  
  
  
  UPDATE: 18/06/18
  
  
  14/06/18:Letter from LLOYDS saying due to me not paying they have transferred my account to Moorcroft. They go on to say they have instructed Moorcroft to collect outstanding amount: Didn't realise Lloyds still own the account. No date on letter
  
  15/06/18 :Letter from Moorcroft a day later : Dated 13/06/18. They want me to contact them to arrange payment within 7 days or they will recommend further recovery to their client. Interestingly they say that Lloyds has registered a default against my credit file. This account has already defaulted and dropped off my CR , indicating to me Moorcroft aren't checking their records . I take it this is being passed around from DCA to another ? Do I need to do anything ?
  
  
  Update: 28/06/18
  
  Letter from Moorcroft received toady dated 25/06/18 informing of possible further action . They go on to say to prevent this from happening to contact them within 7 days with a payment proposal. I will wait to what they come back with. Will file in the mean time.
  
  
  6th July 2018, 17:17
  I’ve noticed that Moorcroft has done a search on my credit file. What would they see and what purpose would they have to do a search ?
  
  Susie Replied: It could be to see if anything has changed, or to see if they are likely to be paid If they see the debts you have listed, they will most likely not get the impression that you have a lot of money to pay them with!
  
  UPDATE: 31/07/18
  
  Letter from Moorcroft dated 9/7/18: they re concerned they haven't heard from and willing to accept a sensible monthly instalment. if no contact within 7 days they will resume collection activity: Filed
  
  Letter From Moorcroft dated 23/7/18 giving me till 30/07/18 contact them or they will continue to contact me by lettering phone ,refer to home collection for rep to establish contact report an adverse entry on credit file. Filed
  
  
  UPDATE: 01/10/18
  
  Letter from Wescot dated 08/08/18: Want me to contact them to set up repayment plan: Filed
• UPDATE: 01/10/18
• Letter from Moocroft date 06/08/18 ( I missed this one) threatening home collection team if I dont contact them by 13/08/18
• 15/08/18: Door step letter sent
• Letter from Moocroft: The acknowledged door step letter and are willing to correspond by post. Account to be held by 19/09/18. They also want me complete their income and exp form; Filed
• Letter from Moorcroft, threatening possible action. If I don't contact them 01/10/18 with a payment proposal they will contact their client to consider further debt recovery: Filed

UPDATE: 13/11/18

08/10/18: Letter from Moorcroft offering an instalment offer : Filed

22/10/18: Letter similar one sent before telling me they will either continue to contact me by letter, refer to home collection or report an adverse entry to credit file. I am to contact Moorcroft by 29/101/8 : Filed
05/11/18: Moorcroft stating they may involve the home collection team to establish contact etc etc: Had one of these before. I will send another door step letter : There is a sense of dejavu

UPDATE: 14/01/19
29/12/18:Letter from Lloyds informing me that they have re-assigned to Robinson Way. I need to contact RW by 09/01/19 with an offer of payment. I take it the whole circus starts over again , but with a different DCA

UPDATE:
Letter dated 14/0/19 from Robinson Way offering options to pay, even reduced settlement: Filed
Letter dated 29/01/19 from RW with options of settlement : Filed
Letter dated 19/02/19 from RW looking to settle giving suggestions of average minimum payment : Filed
Letter dated 17th May from Lloyds , Statement of Account : Filed
Letter dated 02/07/19 from Lloyds stating they have transferred credit card account to DCA Credit Security Ltd
Letter dated02/07/19 from Credit Security Ltd ( CSL) introducing themselves. Ask me to contact them to arrange payment: Filed
Letter dated 15/07/19 from CSL, heading Notice of Further Action . They go on to say they are disappointed I have not contacted them to make payment. They go on to say they will not ask me to pay more than I can afford etc etc. Anyway Filed

Letter dated 30/10/19 from CSL headed Final Notice. If I do not contact them within 10 days my account will be returned to their client for further recovery action which may include:
continued collection attempts by letter and phone
pass acct to another DCA

Selling acct to collection specialist who will commence collection activity to recover their costs ( WHAT DOES THIS MEAN? ) Filed

[nightwatch]

Lloyds may sell your account to a DCA, who, will start the cycle again,
"Hello we now own this", we would like to talk to you about your outstanding account, we would like to help you repay at an ammount you can afford,
we are going to be annoying you at any given opportunity,
the list goes on,
don't worry you can cope with it all, just update on here when you get anything.

[Selinek]

Lloyds may sell your account to a DCA, who, will start the cycle again,
"Hello we now own this", we would like to talk to you about your outstanding account, we would like to help you repay at an ammount you can afford,
we are going to be annoying you at any given opportunity,
the list goes on,
don't worry you can cope with it all, just update on here when you get anything.

Hi NW you're right , expect the merry go round will ensue. coping has been something I have gotten better at over the years, sometimes I can be thrown off guard . Back on track now, will wait till the next for installment .

[Joanna Connolly Solicitors]

Citi financial

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £1119
• Date last paid: 2008
• on DMP SC until November 2017
• Now self managed: Not paid November 2017
• Status :defaulted. Defaulted ,dropped off my credit file
• Account owner : 1st Credit
• CCA request sent 11/09/17.

I know it’s a waiting game

. . . .

I have received a letter from 1st credit paying they are " considering " county court action. What do I need to do ? Had a CCJ some years ago , now got rid and all defaults removed from CF. Credit is looking good , not wanting to undo that.

. . .

February 2018 1st credit sent letters one threatening to consider court action:

. . . .

Letter from Intrum received today, dated 25/06/18: Heading YOUR ACCOUNT WILL SHORTLY BE PASSED TO OUR INTERNAL LEGAL DEPARTMENT. They go onto to say " your account will be passed our legal department to consider county court proceedings. They then list the consequences of a judgment attachment to earnings , warrant of control charging order. They don't want to pursue this course of action . They have given me 10 days to contact them to prevent further action. Of course I have no intention of contacting them.

01/07/18
. . . . According to the wording from Intrum (see above) they are likely to pass onto their legal team for pursue a CCJ.

09/07/18
Received letter from intrum's legal department dated 06/07/18 stating the account will be passed to their solicitors with the intention of issuing a letter before claim in accordance with the formal legal proceedings.

. . . .

letter from Intrum dated 25/09/18 : Want me to contact to discuss the status of account. If I don't respond in 10 days they may instruct their solicitors to commence legal proceedings

I can see there's been a lot of talk but no action despite Intrum's relentless threats to issue legal proceedings against you.

I can also see that you've held your nerve over a considerable period of time.

Have you heard from Intrum recently?

Di