Lola girl UE diary...newbie!

[Lola girl]

• Type of account: Barclaycard
• Date commenced: 25/3/13
• Approx balance: £6k
• Date last paid: Aug 2018
• Are you on arrangement: DMP
• Status: Default 6.9.18
• Account owner: PRA

CCA request - documentation received, sent to Niddy to be checked
15/8/19 - this one has come back as unenforceable. I have cancelled my payment to Stepchange. Will send letter re missing terms to PRA.

19/8/19 missing terms letter sent to PRA
21/8/19 response from PRA with a copy of the unenforceable agreement already received...sent to Niddy to be checked just in case...still UE.
24/03/20 Nothing heard at all from Barclaycard or PRA so far...
25/03/20 Statement from PRA - to comply with obligations under CCA they are sending me a statement. No request for payment.
7/5/20 - 5 calls from PRA this last week. Answered the 3rd one and told them I do not discuss anything over the phone. They are obviously lockdown bored!
21/05/20 - another week of calls from PRA, answered 2 days ago and stated I do not discuss over phone and can they remove number. Another call yesterday, said they are now harassing me. They have guaranteed no more calls (yeah right).
26/05/20 letter received from PRA...
Thanks for your contact. The balance of your account is....

I haven’t made contact or engaged with them other than to tell them I would not discuss anything on phone and to remove my number. However this letter makes it sound like I made contact with them. Can I assume that they can’t make out that I have?
Lola x

[Lola girl]

If you get a Letter of Claim from Intrum post on your thread and also email it to me using di@joannaconnollysolicitors.co.uk

I think it's too soon to send a SAR to Tesco - you won't capture any interaction between them and Intrum if you do this too soon.

Also, if you send a SAR there's always the possibility that the content may get 'amended' . . . .

It's a pity you made a complaint to Tesco about their insistence of a signature on your s78 CCA Request. Ideally you would have ignored them, they would have ignored your CCA Request, and then you'd be in a better position.

However, hopefully Intrum are oblivious to what happened between you and Tesco, so whatever happens don't tell them!

Di

Thanks for this Di

I will carry on doing nothing - am quite getting used to it!

One thing of note - the letter received today from Intrum 'legal department' makes no mention of the finance bit in the title? So INTRUM UK LIMITED. Just thought I would mention it.
Lola x

[Joanna Connolly Solicitors]

expecting a letter of claim next! Notwithstanding your advice Di about the status of Intrum and their ability to issue proceedings do you think this would be a good time to send an SAR to Tesco in preparation? Or should I just continue to do nothing and see what they do next?

If you get a Letter of Claim from Intrum post on your thread and also email it to me using di@joannaconnollysolicitors.co.uk

I think it's too soon to send a SAR to Tesco - you won't capture any interaction between them and Intrum if you do this too soon.

Also, if you send a SAR there's always the possibility that the content may get 'amended' . . . .

It's a pity you made a complaint to Tesco about their insistence of a signature on your s78 CCA Request. Ideally you would have ignored them, they would have ignored your CCA Request, and then you'd be in a better position.

However, hopefully Intrum are oblivious to what happened between you and Tesco, so whatever happens don't tell them!

Di

[Lola girl]

• Type of account: Tesco Credit Card
• Date commenced: 24/3/2007
• Approx balance: £3,900
• Date last paid: Aug 2018
• Are you on arrangement: DMP
• Status: Default 10.10.18
• Account owner: Intrum Uk Finance Ltd

CCA request - letter received to say they would not comply as I had not included my signature

15/8/19 I have not sent them a signature and have cancelled the StepChange payment. Have sent them a signature not required letter.

30/8/19 letter received acknowledging my complaint (wasn’t aware I’d made one!). No mention of CCA. Filed away.

2/9/19 phone call from Tesco complaints team - they acknowledge that a signature is not required for CCA. CCA will be sent out within 30 days. Advised that as now currently UE I will not be making further payments at present.

5/9/19 original true copy of credit agreement, terms and conditions and a statement received from Tesco. Will send over to Niddy for checking.

6/9/19

Good documents received considering the age of this one. Niddy says enforceable.

27/01/20 Intrum carried out a search on my credit record
30/01/20 letter from Tesco saying they have assigned the account to Intrum UK Finance Limited
30/01/20 letter from Intrum Uk Finance Limited confirming that they have purchased the account on 16/01/20 with information on how to set up payments directly to them...filed and ignored
11/03/20 letter from Intrum asking me to contact them within 10 days or to access online account to set up a monthly payment schedule...filed and ignored
23/03/20 letter from Intrum - We may take legal action if you don't get in touch which may affect your credit score (not sure how!). They kindly sent me an income form to complete. Filed and ignored
31/03/20 letter from Intrum - we are thinking of taking you to court. We don't want to but are considering applying for a county court judgement, they may also add court fees of £185 and solicitors costs of £80. If I am affected by Coronavirus I can contact them. No let up from them in current health / economic crisis! Filed and ignored.
10/4/20 letter from Intrum - would you like a discount? We want to help you to pay without taking you to court. Filed and ignored.
20/4/20 letter from Intrum - we’re getting ready for legal action. Your account will be handed to the legal team on 30/4/20. May apply for a CCJ and ask court for an attachment of earnings order and a charging order. Filed and ignored

I have read Susieblings daughters thread on page 1 of the unenforceable diaries and it would seem that I am receiving the same letters from Intrum - expecting a letter of claim next! Notwithstanding your advice Di about the status of Intrum and their ability to issue proceedings do you think this would be a good time to send an SAR to Tesco in preparation? Or should I just continue to do nothing and see what they do next?
Lola x

[Joanna Connolly Solicitors]

I’ll wait till they decide to issue the claim and then do another CCA to Intrum and an SAR to Tesco as you suggest.

If you do receive a Letter of Claim from Intrum then let me know.

Don't send a new CCA Request at that point.

Your CCA Request response from Tesco was deemed enforceable, however we recently had a situation where the credit agreement was technically enforceable, the only problem (for the debt purchaser) is it was his wife's credit card agreement not his (they both had credit cards with the same bank).

Perfect signature, correct date, just wrong person

Di

[Lola girl]

Indeed

You read it here >




Di

Well that's a useful bit of info Di - made my week (not hard at the moment!)
Lola x

[Joanna Connolly Solicitors]

Diana Mayhew I suspect I read that Intrum finance uk ltd are not registered by FCA and therefore con not legally present a case to court?

Indeed

You read it here >

Intrum UK Finance Limited is not authorised by the Financial Conduct Authority to exercise the rights of a lender. They rely on the para 55 FSMA 2000 servicing exemption.

We look forward to using the same legal arguments in the future against Intrum UK Finance Limited which we used against Idem Capital Securities Limited in the recent successful FCA authorisation Appeal where the Circuit Judge found that the para 55 FSMA 2000 servicing exemption did not allow the unauthorised debt purchaser to issue proceedings in the county court.

Intrum also have issues with their assignment process and documentation.

If you are currently defending a claim with Intrum, whether stayed or ongoing, or they have obtained a Default Judgment against you and you have any query please post any queries on this thread..

Di

[Lola girl]

Diana Mayhew I suspect I read that Intrum finance uk ltd are not registered by FCA and therefore con not legally present a case to court?

Here’s hoping this is correct!

[Lola girl]

If they decide to issue a claim there is little you can do to stop it but lots you can do to fight it.

Do you have all the letters they have sent you in the past stashed away?

You have a CCA request that came from Tesco but not one from Intrum - well if they do send a letter of claim you could send Intrum a request (don't do it now as it gives them more time to comply).

If you don't have all the letters such as default notices and assignments you may want to send a SAR to Tesco to see what they have. I would however say no great rush at the moment. If you do get a letter of claim then a SAR is a must do.

Thanks Warwick...I have kept and filed all letters yes. I’ll wait till they decide to issue the claim and then do another CCA to Intrum and an SAR to Tesco as you suggest.

[Timewilltell]

Diana Mayhew I suspect I read that Intrum finance uk ltd are not registered by FCA and therefore con not legally present a case to court?

[Warwick65]

If they decide to issue a claim there is little you can do to stop it but lots you can do to fight it.

Do you have all the letters they have sent you in the past stashed away?

You have a CCA request that came from Tesco but not one from Intrum - well if they do send a letter of claim you could send Intrum a request (don't do it now as it gives them more time to comply).

If you don't have all the letters such as default notices and assignments you may want to send a SAR to Tesco to see what they have. I would however say no great rush at the moment. If you do get a letter of claim then a SAR is a must do.

[Lola girl]

Is that letter from Intrum UK Finance Ltd a formal 'Letter of Claim'?

Di

Not as yet Di - do you think that's what they are building up to?

[Joanna Connolly Solicitors]

• Type of account: Tesco Credit Card
• Date commenced: 24/3/2007
• Approx balance: £3,900
• Date last paid: Aug 2018
• Are you on arrangement: DMP
• Status: Default 10.10.18
• Account owner: Intrum Uk Finance Ltd

CCA request - letter received to say they would not comply as I had not included my signature

15/8/19 I have not sent them a signature and have cancelled the StepChange payment. Have sent them a signature not required letter.

30/8/19 letter received acknowledging my complaint (wasn’t aware I’d made one!). No mention of CCA. Filed away.

2/9/19 phone call from Tesco complaints team - they acknowledge that a signature is not required for CCA. CCA will be sent out within 30 days. Advised that as now currently UE I will not be making further payments at present.

5/9/19 original true copy of credit agreement, terms and conditions and a statement received from Tesco. Will send over to Niddy for checking.

6/9/19

Good documents received considering the age of this one. Niddy says enforceable.

27/01/20 Intrum carried out a search on my credit record
30/01/20 letter from Tesco saying they have assigned the account to Intrum UK Finance Limited
30/01/20 letter from Intrum Uk Finance Limited confirming that they have purchased the account on 16/01/20 with information on how to set up payments directly to them...filed and ignored
11/03/20 letter from Intrum asking me to contact them within 10 days or to access online account to set up a monthly payment schedule...filed and ignored
23/03/20 letter from Intrum - We may take legal action if you don't get in touch which may affect your credit score (not sure how!). They kindly sent me an income form to complete. Filed and ignored
31/03/20 letter from Intrum - we are thinking of taking you to court. We don't want to but are considering applying for a county court judgement, they may also add court fees of £185 and solicitors costs of £80.

Is that letter from Intrum UK Finance Ltd a formal 'Letter of Claim'?

Di

[Lola girl]

• Type of account: M&S Bank
• Date commenced: 27.9.06
• Approx balance: £8k
• Date last paid: Aug 2018
• Are you on arrangement: DMP
• Status: Default 1.3.19
• Account owner: OC

CCA request - deemed UE by Niddy.
Do I respond saying that they have not complied with my request and I will be withholding payment whilst in dispute?
15/8/19 - I have cancelled the StepChange payment. Will send letter re missing terms to M&S.

5/9/19 letter from M&S saying they have complied with regulations and agreement is legally enforceable. They will sell account to debt management or refer for litigation if I do not make payment. They strongly advise me to take independent legal advice re enforceability.

30/9/19 demand received from M&S saying I have 7 days to pay or they will pass account to DCA or disclose info about default to CRA’s. Filed.
14/10/19 monthly statement received
08/11/19 monthly statement
08/12/19 monthly statement
31/12/19 Letter from M&S concerned that I may be struggling to pay at the moment, advise me to chat to Stepchange - filed and ignored
08/01/20 monthly statement
09/02/20 monthly statement
17/03/20 letter received from HSBC UK Bank (owner of M&S Cards) - my account has been transferred to the Litigation Dept within HSBC Repayment Services. Possibly suitable for legal action and will now be managed by advisor within Pre-Litigation Dept. Contact within 14 days. If not they may send a formal Letter of Claim. This may have panicked me a year ago but after reading lots on here I will hold my nerve and file and ignore!
24/03/20 letter from M&S Bank - Wescott Credit Services Ltd will now take responsibility of my account. They will contact me directly.
01/04/20 Text from Wescott - all collection activity is suspended due to coronavirus

Well - at least one of the DC’s is giving us a break!
Intrum on the other hand just sent letter informing they are thinking of taking me to court and adding fees of £185 and £80....timing is great!

[Lola girl]

I agree Roger now is definitely not the time to be chasing people for these historic debts!!

MisterK - this is exactly my plan. I’ll file and ignore along with all the others. To be fair to barclaycard /PRA I have received nothing but this one statement from them since they sent the UE agreement last August. The M&S letter from Hsbc bank above was a bit threatening - but within a few days it had been farmed out to wescott. Sure they will have a flurry of activity now for a couple of months.
I’m standing firm and seeing how things go. Thanks everyone