UE Journey

[Never-In-Doubt]

Good afternoon, Everyone. So, today I have received my first letter of claim. It is asking me to reply within 30 days and to complete a hefty reply form with the following sections:

1. Do you owe the debt?
2. How will you pay?
3. Do you intend to get debt advice?

Then there is an income/expenditure statement to fill out.

So, given that Niddy classes this debt as unenforceable, what should be my response? Do I tick the "I dispute the debt" box? If so, what should I write in the space headed "I dispute the debt because . . . ."? If I do go down the path of disputing and going for UE, what would be my next steps?

Thanks to all for your support

Hiya - hold fire. I've asked the legal team to pop in. Don't respond to the claim yet.

[Never-In-Doubt]

Colin G Quinn

[Tommy_the_cat]

Name	Tesco
Type of Account	Credit Card
Date Commenced	July 2005
Date Defaulted	December 2018
Approx Balance	£8,500
Account Owner	Intrum
Arrangement/Not paying	Not paying
Last Date paid	May 2021

1. Early Feb - CCA request sent to Intrum
2. 09 Mar 21 - Response from Intrum with a stack of papers, including the credit agreement
3. Send to Niddy for review - Considers it to be unenforceable
4. 14 Jun 21 - DD cancelled
5. 24 Jun 21 - Letter received from Intrum. "Please get in touch to talk about your outstanding balance....". Ignored.
6. 16 Jul 21 - Letter received from Intrum. "We may take legal action if you don't get in touch....." Ignored
7. 26 Jul 21 - Letter received from Intrum. "We're thinking of taking you to court. We don't want to. But, if you don't get in touch soon, we'll pass your account to our legal team. They'll consider applying for a CCJ, which could make it harder for you to borrow money in the future. They may also add court fees of £410 and solicitors costs of £100 to your balance....... Get in touch in the next 10 days...."
8. 06 Aug 21 - Letter received from Intrum. "Would you like a discount? We want to help you pay tour debt without taking you to court..... So, if you get in touch within 10 days We'll give you a discount on the amount you owe....."
9. 13 Aug 21 - Letter received from Intrum. "We're getting ready for legal action. We're planning to hand your account over to our legal team on 19/08/21. They may apply for a CCJ to demand you repay the money by a certain date....... We'd like to help you..... If you get in touch before 19/08/21, we'll try to work out a repayment plan that helps you avoid legal action".
10. 17 Aug 21 - Letter received from Intrum. "Introducing our legal team. We're now in charge of getting a CCJ issued against you, to demand you pay the money back.... Get in touch within 10 days or we'll pass your account to our solicitors... They'll write to you explaining what you owe and giving you a last chance to pay. If you don't pay, they may apply for a CCJ.... We can still help.... Call us on.... "
11. 10 Sep 21 - Letter received from Lester Aldridge. LETTER OF CLAIM.

Good afternoon, Everyone. So, today I have received my first letter of claim. It is asking me to reply within 30 days and to complete a hefty reply form with the following sections:

1. Do you owe the debt?
2. How will you pay?
3. Do you intend to get debt advice?

Then there is an income/expenditure statement to fill out.

So, given that Niddy classes this debt as unenforceable, what should be my response? Do I tick the "I dispute the debt" box? If so, what should I write in the space headed "I dispute the debt because . . . ."? If I do go down the path of disputing and going for UE, what would be my next steps?

Thanks to all for your support

[Still Waving]

As you said - empty threats at the moment. They're giving you 10 days before they pass to their solicitors, who will give you a final chance, after which they MAY apply for a CCJ. They have a formal procedure to comply with at that point.

Recent letters have been various threats of possible legal action, with an offer of a discount in the middle. Hmmm.

[Timewilltell]

I think an interim judgement of your own is needed here, which file to put it in?

[Warwick65]

I don't think you need to do anything but that letter is skating very close to the boundaries of what is allowed in CONC. They are not allowed to say they will get a CCJ when it is granted by a court . Saying they would get a county court claim issued is different to saying they will get a county court judgement. But maybe not worth at this point worth kicking up a fuss.

[Tommy_the_cat]

Name	Tesco
Type of Account	Credit Card
Date Commenced	July 2005
Date Defaulted	December 2018
Approx Balance	£8,500
Account Owner	Intrum
Arrangement/Not paying	Not paying
Last Date paid	May 2021

1. Early Feb - CCA request sent to Intrum
2. 09 Mar 21 - Response from Intrum with a stack of papers, including the credit agreement
3. Send to Niddy for review - Considers it to be unenforceable
4. 14 Jun 21 - DD cancelled
5. 24 Jun 21 - Letter received from Intrum. "Please get in touch to talk about your outstanding balance....". Ignored.
6. 16 Jul 21 - Letter received from Intrum. "We may take legal action if you don't get in touch....." Ignored
7. 26 Jul 21 - Letter received from Intrum. "We're thinking of taking you to court. We don't want to. But, if you don't get in touch soon, we'll pass your account to our legal team. They'll consider applying for a CCJ, which could make it harder for you to borrow money in the future. They may also add court fees of £410 and solicitors costs of £100 to your balance....... Get in touch in the next 10 days...."
8. 06 Aug 21 - Letter received from Intrum. "Would you like a discount? We want to help you pay tour debt without taking you to court..... So, if you get in touch within 10 days We'll give you a discount on the amount you owe....."
9. 13 Aug 21 - Letter received from Intrum. "We're getting ready for legal action. We're planning to hand your account over to our legal team on 19/08/21. They may apply for a CCJ to demand you repay the money by a certain date....... We'd like to help you..... If you get in touch before 19/08/21, we'll try to work out a repayment plan that helps you avoid legal action".
10. 17 Aug 21 - Letter received from Intrum. "Introducing our legal team. We're now in charge of getting a CCJ issued against you, to demand you pay the money back.... Get in touch within 10 days or we'll pass your account to our solicitors... They'll write to you explaining what you owe and giving you a last chance to pay. If you don't pay, they may apply for a CCJ.... We can still help.... Call us on.... "

Hello everyone. A new letter received from intrum. Again, more empty threats and no need for action, I believe. Can you guys please confirm that I do not need to respond? Thanks for your support.

[Warwick65]

Hi

Remember if you do get a LBA you must reply because if you do, you may well see them off, if not they WILL issue a claim.

[Tommy_the_cat]

morning (just)
A letter before claim, LBC, will give you 30 days to reply, it will state that it is a letter before claim and contain quite a few sheets of paper, one with questions and tick box answers A, B,C,D,. along with an I&E form.
what you seem to have received is a before the weekend letter.
It say,s
We're getting ready, that means let's send a letter.
We're planning, not they aren going to.
They MAY apply for a CCJ, They forget to say they have to take you to court first, then they have to win and that they have to apply to the court for a CCJ after /IF they win
We'd like to, to give us some money without you finding out we may not be entitled to it.
We'll try. Oh they are trying! they will try and get you to admit the debt and pay up without them taking you to court and not winning.

Have a nice weekend, let us know what you get next x

Thanks, Nightwatch. You're right - there is a lot of words without substance in that letter. It's been filed and already forgotten. No doubt they'll be back. I'll post up when that happens.

[Tommy_the_cat]

the last letter is not letter before action!referring to 13the August entry. they are hoping you give in!

...And I ain't gonna!

[nightwatch]

morning (just)
A letter before claim, LBC, will give you 30 days to reply, it will state that it is a letter before claim and contain quite a few sheets of paper, one with questions and tick box answers A, B,C,D,. along with an I&E form.
what you seem to have received is a before the weekend letter.
It say,s
We're getting ready, that means let's send a letter.
We're planning, not they aren going to.
They MAY apply for a CCJ, They forget to say they have to take you to court first, then they have to win and that they have to apply to the court for a CCJ after /IF they win
We'd like to, to give us some money without you finding out we may not be entitled to it.
We'll try. Oh they are trying! they will try and get you to admit the debt and pay up without them taking you to court and not winning.

Have a nice weekend, let us know what you get next x

[The Tech Clerk]

the last letter is not letter before action!referring to 13the August entry. they are hoping you give in!

[Tommy_the_cat]

Name	Tesco
Type of Account	Credit Card
Date Commenced	July 2005
Date Defaulted	December 2018
Approx Balance	£8,500
Account Owner	Intrum
Arrangement/Not paying	Not paying
Last Date paid	May 2021

1. Early Feb - CCA request sent to Intrum
2. 09 Mar 21 - Response from Intrum with a stack of papers, including the credit agreement
3. Send to Niddy for review - Considers it to be unenforceable
4. 14 Jun 21 - DD cancelled
5. 24 Jun 21 - Letter received from Intrum. "Please get in touch to talk about your outstanding balance....". Ignored.
6. 16 Jul 21 - Letter received from Intrum. "We may take legal action if you don't get in touch....." Ignored
7. 26 Jul 21 - Letter received from Intrum. "We're thinking of taking you to court. We don't want to. But, if you don't get in touch soon, we'll pass your account to our legal team. They'll consider applying for a CCJ, which could make it harder for you to borrow money in the future. They may also add court fees of £410 and solicitors costs of £100 to your balance....... Get in touch in the next 10 days...."
8. 06 Aug 21 - Letter received from Intrum. "Would you like a discount? We want to help you pay tour debt without taking you to court..... So, if you get in touch within 10 days We'll give you a discount on the amount you owe....."
9. 13 Aug 21 - Letter received from Intrum. "We're getting ready for legal action. We're planning to hand your account over to our legal team on 19/08/21. They may apply for a CCJ to demand you repay the money by a certain date....... We'd like to help you..... If you get in touch before 19/08/21, we'll try to work out a repayment plan that helps you avoid legal action".

Good morning, All. Letter received from Intrum today. Is this something I need to take any action over? Is this a letter before claim? Thanks

[Warwick65]

New contact from Intrum today. Offering a discount if I contact them within 10 days, and threatening court action if I don't.

They are trying to get you to engage with them- and if you do they are well trained in manipulation, if you are not careful you will end up feeling sorry for the nice man who has to deal with 'debt avoiders' all day. Once that happens they have you hook line and sinker

There are some letters that need acknowledging and some that do not- this is most definitely a do not

[Roger]

"..
7. 26 Jul 21 - Letter received from Intrum. "We're thinking of taking you to court. We don't want to. But, if you don't get in touch soon, we'll pass your account to our legal team. They'll consider applying for a CCJ, which could make it harder for you to borrow money in the future. They may also add court fees of £410 and solicitors costs of £100 to your balance....... Get in touch in the next 10 days...."
8. 06 Aug 21 - Letter received from Intrum. "Would you like a discount? We want to help you pay tour debt without taking you to court..... So, if you get in touch within 10 days We'll give you a discount on the amount you owe....."
.."
Its so sad they have lost their nice little earner since you cancelled your DD.
Would you like a discount WELL YES a 100% discount.
But there is the issue of the UE pile of papers they have sent to you!
File and see what they send next!