Westham1 UE diary

[Westham1]

4/7/18
Letter from Intrum saying the balance is still outstanding.
If I don't want to speak to them I can fill in the i&e form.

(Or I could just not speak to them).

13/7/18
Another innocuous letter saying they want to help.
Gavin Flynn must hate sending these out.

[The Tech Clerk]

Um wonder which you are scratching your head at:- lol

[Westham1]

Hi,

I have put this email into one post so that there is a better thread




1st Credit
-formerly an Egg Account opened in 2005, transferred to Barclaycard in 2011 or 2012. Defaulted Dec 2014.




Feb 2015 Assignment letter from Barclaycard, and intro from 1st Credit




21st Dec 2016 Financial statement received from 1st credit covering 1/12/2015 - 30/11/2016

May 2017

Letter from 1st Credit which was a copy of the one they sent in 2015 (see post #1).
They also enclosed a cca which they said satisfied my request in the letter I had sent.
However this cca was a copy of an application I made to Barclaycard in 2008., and the t&c's were from the Egg application.
The only account I opened with Barclaycard was the one in 2008 which was closed a couple of years ago with no issues.





8th June 2017
Another letter from 1st Credit threatening that County Court proceedings are being considered and that I need to contact them within 10 days (letter dated 2nd June).




13th June 2017

I sent a LBA letter to 1st Credit which was signed for today.




14th June 2017

Discount letter from 1st Credit - ignored



1st July 2017, 20:28
Reply from 1st Credit to my lba.
They said
"We can confirm that a copy of the agreement and copy statements were issued to you previously. With regard to the DOA we would refer youto section 136 of the Law of Property act 1925. which provides that the debtor is notified of the assignment of debt in writing, which we have already provided.
Regarding your request of the default notice and termination notice we have requested these from the OC and will contact you again once we receive their response."

6th July 2017, 12:22
SAR sent to Barclaycard.

16th August 2017, 18:10
Today I received two parcels from Barclays.
1. Bundle of pages regarding my SAR request
2. Bundle of papers regarding somebody else's SAR request.

With regards to mine, I was expecting to be included, amongst othe things
A} A copy of the letter which they sent me in 2011 or 2012 to say they had bought Egg and had taken over that account (this is the account in default which 1st Credit now own).
B) A copy of the default notice which they sent in December 2014


I noticed in the SAR report that in May 2017 1st Credit sent an email asking for everything pertaining to the defaulted account and a couple of months ago 1st Credit sent a copy of a cca for a different barclaycard account which was opened in 2008 and settled and closed in 2014.
This doesn't help me very much at all.


18th August 2017, 17:12
Reply from Roger
"..your request of the default notice and termination notice we have requested these from the OC and will contact you again once we receive their response."

Well you know they asked in May and you know from the SRA
A} A copy of the letter which they sent me in 2011 or 2012 to say they had bought Egg and had taken over that account (this is the account in default which 1st Credit now own).
B) A copy of the default notice which they sent in December 2014

Neither of these were included ?. Its reasonable to assume that 1st Credit haven't got these documents.

The Default Notice is a key document!


20th August 2017

Reply from Di
Are you saying that 1st Credit hasn't complied with your CCA Request because they sent you a credit agreement that has nothing to do with the debt which they currently own?

I think that's very helpful

Whatever happens don't tell them they've got it wrong.

Is there any sign of the Egg credit agreement in that Barclaycard SAR? If not then 1st Credit won't be able to get it either.


30th August 2017, 15:50 - my reply
Hi Di,
I replied to your query in post #107, where I summarised the history.
I started this thread in post #86.
The Egg internet application is in the SAR. All it contains are my details, dated April 2005, the card type is EGG CARD.. There aren't any Egg t&c's in the SAR.

There are also 2 more barclaycard applications in the SAR.
1. Barclaycard visa from 2004 (which I had forgotten about) - last used about 2006 as far as I can make out from the SAR
2. Barclaycard Oyster in 2008.

The 2008 one is the application which 1st credit sent me, along with EGG t&c's from between 2004-2005..
Barclaycard must have mistakenly sent this 2008 form to 1st Credit, would they have also sent them the Egg t&c's (which weren't in the SAR)? or would 1st Credit have obtained these themselves?

21st Dec 2017 Financial statement received from 1st credit covering 1/12/2016 - 30/11/2017


30th April 2018, 23:41
Letter from Intrum informing me that 1st Credit became Intrum UK Ltd, and I don't need to contact them regarding my account.

23rd June 2018, 12:20
11/6/18 Letter from Intrum trying to get in touch again - if we do not hear from you in 10 days one of our reps to will be in contact about repayment..
They include the letter I received from Barclays assigning the debt to 1st Credit(Finance) Limited in 2015.

22/6/18 Another innocuous letter with a i&e form attached.

They are also trying to find me via mobile and email, which goes to spam.

4/7/18
Letter from Intrum saying the balance is still outstanding.
If I don't want to speak to them I can fill in the i&e form.

(Or I could just not speak to them).

[Roger]

Checking out the Companies House info

INTRUM UK FINANCE LIMITED Company number 04140507

Previous company names
1ST CREDIT (FINANCE) LIMITED 09 Mar 2001 - 01 Mar 2018 Company Registration No.:04140507

This is just a name change with the same Co number.
Neither names are authorised with FCA

[Roger]

1st Credit (Finance) Limited were Unauthorised

Niddy's Blog for Cabot read 1st Credit/Intrum.
"..

Cabot weren't authorised to conduct ANY DCA or regulated activity whilst unauthorised so ANYTHING they do regarding the account would be a breach. Even if it was purchased whilst authorised.

That's the basis behind the FCA - that a non regulated company does not conduct regulated activity - it'd never stand up in court would it because otherwise the courts would be accepting 'loan sharks' again
.."
Intrum UK Finance Limited doesn't appear on the FCA Register.

[Westham1]

I have just looked again at the letters I have received from Intrum.

26/4/2018

We are sending this letter to inform you that 1st Credit Limited became Intrum UK Limited

11/6/2018
Assignment Account
We would like to introduce Intrum UK Finance Limited (formerly 1st Credit(Finance) Limited) as the legal owner ....
Any further communication or payments should be sent to Intrum UK Limited (formerly 1st Credit Limited).


Does this cover them?
Is Intrum UK Finance Limited FCA authorised?

Gavin Flynn still signs the letters.

[Roger]

So there was a name change to Intrum - have Intrum got a license?

Itrum brought out the 1st Credit Limited Group Both were and are FCA Authorised ( 1st Credit Finance Limited are part of this group)
The Debt was Assigned to 1st Credit Finance Limited

Intrum UK Limited (Postcode: RH2 7JP)

1st Credit Limited

Firm

718918

Authorised

The situation is as set out with Cabot have a read through Niddy's Blog here.
See Niddy's Blog
https://www.all-about-debt.co.uk/for...50#post1291550

"..The exact reasons we want to keep sensitive

[Westham1]

So there was a name change to Intrum - have Intrum got a license?

[Roger]

Yes Roger, it was 1st Credit(Finance) Ltd, now Intrum.

1st Credit(Finance) Ltd (lapsed)

http://fca-consumer-credit-interim.f...w?accId=514938
I should print off and file away

[Westham1]

Just noticed Who was/is the Current Creditor/Account Owner?
1st Credit(Finance) Limited?
It will be on the NOA and probably say something like

1st Credit (Finance) Limited appointed

1^stCredit (now of course Intrum)

Yes Roger, it was 1st Credit(Finance) Ltd, now Intrum.

[Roger]

Just noticed Who was/is the Current Creditor/Account Owner?
1st Credit(Finance) Limited?
It will be on the NOA and probably say something like

1st Credit (Finance) Limited appointed

1^stCredit (now of course Intrum)

[Westham1]

Hi,

I have put this email into one post so that there is a better thread




1st Credit
-formerly an Egg Account opened in 2005, transferred to Barclaycard in 2011 or 2012. Defaulted Dec 2014.




Feb 2015 Assignment letter from Barclaycard, and intro from 1st Credit




21st Dec 2016 Financial statement received from 1st credit covering 1/12/2015 - 30/11/2016

May 2017

Letter from 1st Credit which was a copy of the one they sent in 2015 (see post #1).
They also enclosed a cca which they said satisfied my request in the letter I had sent.
However this cca was a copy of an application I made to Barclaycard in 2008., and the t&c's were from the Egg application.
The only account I opened with Barclaycard was the one in 2008 which was closed a couple of years ago with no issues.





8th June 2017
Another letter from 1st Credit threatening that County Court proceedings are being considered and that I need to contact them within 10 days (letter dated 2nd June).




13th June 2017

I sent a LBA letter to 1st Credit which was signed for today.




14th June 2017

Discount letter from 1st Credit - ignored



1st July 2017, 20:28
Reply from 1st Credit to my lba.
They said
"We can confirm that a copy of the agreement and copy statements were issued to you previously. With regard to the DOA we would refer youto section 136 of the Law of Property act 1925. which provides that the debtor is notified of the assignment of debt in writing, which we have already provided.
Regarding your request of the default notice and termination notice we have requested these from the OC and will contact you again once we receive their response."

6th July 2017, 12:22
SAR sent to Barclaycard.

16th August 2017, 18:10
Today I received two parcels from Barclays.
1. Bundle of pages regarding my SAR request
2. Bundle of papers regarding somebody else's SAR request.

With regards to mine, I was expecting to be included, amongst othe things
A} A copy of the letter which they sent me in 2011 or 2012 to say they had bought Egg and had taken over that account (this is the account in default which 1st Credit now own).
B) A copy of the default notice which they sent in December 2014


I noticed in the SAR report that in May 2017 1st Credit sent an email asking for everything pertaining to the defaulted account and a couple of months ago 1st Credit sent a copy of a cca for a different barclaycard account which was opened in 2008 and settled and closed in 2014.
This doesn't help me very much at all.


18th August 2017, 17:12
Reply from Roger
"..your request of the default notice and termination notice we have requested these from the OC and will contact you again once we receive their response."

Well you know they asked in May and you know from the SRA
A} A copy of the letter which they sent me in 2011 or 2012 to say they had bought Egg and had taken over that account (this is the account in default which 1st Credit now own).
B) A copy of the default notice which they sent in December 2014

Neither of these were included ?. Its reasonable to assume that 1st Credit haven't got these documents.

The Default Notice is a key document!


20th August 2017

Reply from Di
Are you saying that 1st Credit hasn't complied with your CCA Request because they sent you a credit agreement that has nothing to do with the debt which they currently own?

I think that's very helpful

Whatever happens don't tell them they've got it wrong.

Is there any sign of the Egg credit agreement in that Barclaycard SAR? If not then 1st Credit won't be able to get it either.


30th August 2017, 15:50 - my reply
Hi Di,
I replied to your query in post #107, where I summarised the history.
I started this thread in post #86.
The Egg internet application is in the SAR. All it contains are my details, dated April 2005, the card type is EGG CARD.. There aren't any Egg t&c's in the SAR.

There are also 2 more barclaycard applications in the SAR.
1. Barclaycard visa from 2004 (which I had forgotten about) - last used about 2006 as far as I can make out from the SAR
2. Barclaycard Oyster in 2008.

The 2008 one is the application which 1st credit sent me, along with EGG t&c's from between 2004-2005..
Barclaycard must have mistakenly sent this 2008 form to 1st Credit, would they have also sent them the Egg t&c's (which weren't in the SAR)? or would 1st Credit have obtained these themselves?

21st Dec 2017 Financial statement received from 1st credit covering 1/12/2016 - 30/11/2017


30th April 2018, 23:41
Letter from Intrum informing me that 1st Credit became Intrum UK Ltd, and I don't need to contact them regarding my account.

23rd June 2018, 12:20
11/6/18 Letter from Intrum trying to get in touch again - if we do not hear from you in 10 days one of our reps to will be in contact about repayment..
They include the letter I received from Barclays assigning the debt to 1st Credit(Finance) Limited in 2015.

22/6/18 Another innocuous letter with a i&e form attached.

They are also trying to find me via mobile and email, which goes to spam.

[Westham1]

I have just looked at my new Noddle report and 2 of the accounts haven't been updated this month, PRA (this is on another thread) and Cabot. The Cabot one is very encouraging, especially as following a house visit by Resolvecall in January, they updated my report last month to 'gone-away' - it will be interesting to see if it gets updated next month.

Noddle report in June - 'gone-away' status for Cabot not there now. They must have confirmed that I haven't moved house.

[Westham1]

11/6/18 Letter from Intrum trying to get in touch again - if we do not hear from you in 10 days one of our reps to will be in contact about repayment..
They include the letter I received from Barclays assigning the debt to 1st Credit in 2015.

22/6/18 Another innocuous letter with a i&e form attached.

They are also trying to find me via mobile and email, which goes to spam.

[Westham1]

I have just looked at my new Noddle report and 2 of the accounts haven't been updated this month, PRA (this is on another thread) and Cabot. The Cabot one is very encouraging, especially as following a house visit by Resolvecall in January, they updated my report last month to 'gone-away' - it will be interesting to see if it gets updated next month.