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Hello,
I have received a letter back from Intrum in response to my SWID letter.
The letter says "we enclose a copy of your signed credit agreement, and statements. The letter further says;
In accordance with your request, the statement of account is as follows -:
(a) the total sum paid under the agreement by the consumer - £5,973.95
(b) the total sum which has become payment under the agreement by the consumer but remains unpaid and the various amounts comprised in that total sum with the date when each became due £7,218.49
(c) the total sum which is to become payable under the agreement by the consumer and the various amounts comprised in that total sum with the date or mode of determining the date when each becomes due - £7,218.49
This fulfills our obligations under section 77 of the Consumer Credit Act 1974.
We would request that you contact us within 14 days to arrange payment of your outstanding account.
There was no credit agreement or statements enclosed, just a single sheet of paper with the above written on that I have typed out here.
Should I write back to them informing them that there was no credit agreement or statements enclosed with the letter? Or will they know they haven't enclosed them because they probably don't actually have them and couldn't obtain them from Halifax and are just trying to make me think they do have them.
Thanks
I have received a letter back from Intrum in response to my SWID letter.
The letter says "we enclose a copy of your signed credit agreement, and statements. The letter further says;
In accordance with your request, the statement of account is as follows -:
(a) the total sum paid under the agreement by the consumer - £5,973.95
(b) the total sum which has become payment under the agreement by the consumer but remains unpaid and the various amounts comprised in that total sum with the date when each became due £7,218.49
(c) the total sum which is to become payable under the agreement by the consumer and the various amounts comprised in that total sum with the date or mode of determining the date when each becomes due - £7,218.49
This fulfills our obligations under section 77 of the Consumer Credit Act 1974.
We would request that you contact us within 14 days to arrange payment of your outstanding account.
There was no credit agreement or statements enclosed, just a single sheet of paper with the above written on that I have typed out here.
Should I write back to them informing them that there was no credit agreement or statements enclosed with the letter? Or will they know they haven't enclosed them because they probably don't actually have them and couldn't obtain them from Halifax and are just trying to make me think they do have them.
Thanks
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