UE Diary of Susieblings Daughter

[Susiebling365]

We defiantly will, they are a strange company ! and thank you!

[Joanna Connolly Solicitors]

Let me know if Judge & Priestley solicitors get involved again.

Di

[Susiebling365]

I think Lloyds were too idle to find all the paperwork, it was simply type written statement attached to some T&C which Niddy said were unenforceable. The SAR revealed a signed agreement attached to T&C which hopefully the same , though a poor photo copy. I m just double checking with him , I do not trust these people one bit.

I ve learnt enough on here to not rock the boat, and so far Intrum not been contacted, we re halfway now ...ish ! Its a waiting game

Thank you Di

[Joanna Connolly Solicitors]

No. this looks like the real thing as its got her signature on it, thats why I sent it to Niddy. The first one was just a typed statement and a copy of T&C, which Niddy deemed unenforceable, a lot to do with the age of the original agreement.So fingers crossed, the T&C are the same,

She received 2 letters from Intrum at the start of lockdown, to say they were holding off on the court thing because of Covid

So the credit agreement Lloyds sent you in response to your s77-79 CCA Request was unenforceable.

But the credit agreement Lloyds sent you in response to your SAR (three years later) is different.

Wait to see what Niddy thinks of the recent credit agreement from Lloyds, although I remain baffled as to why it should be different (enforceable or unenforceable) than the first one.

At the moment Intrum haven't produced any documents because you sensibly haven't sent a new s77-79 CCA Request to them (please don't )

What may matter is what Intrum would or could produce if they were to issue legal proceedings, albeit they do not have FCA authorisation as Jo explains 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.

Di

[Susiebling365]

"In 2017 Niddy told you the credit agreement produced by Lloyds in response to your s77-79 CCA Request was unenforceable, so is the agreement you received within the SAR response the same document?"


No. this looks like the real thing as its got her signature on it, thats why I sent it to Niddy. The first one was just a typed statement and a copy of T&C, which Niddy deemed unenforceable, a lot to do with the age of the original agreement.So fingers crossed, the T&C are the same,

She received 2 letters from Intrum at the start of lockdown, to say they were holding off on the court thing because of Covid, then the second one offering a discount.Thats it so far.

Just hope this not tempting fate lol.....

[Joanna Connolly Solicitors]

When we first started on this unenforceable trip, i asked Lloyds for a credit agreement, and they sent something that was like a statement, and also some terms and conditions, I sent them to Niddy who said they were unenforceable. This was 2017.

Recently we sent for the SAR and a bundle of stuff presented this agreement which I sent to Niddy, at the beginning of July, he s not come back to me yet.

I have not requested anything from Intrum, I think it was you who suggested maybe not a bad thing to ask for SAR , being that Intrum were getting the solicitors to write.

Yes the SAR to Lloyds was my suggestion. It was to put your daughter in readiness for any legal proceedings they were intending to issue.

In 2017 Niddy told you the credit agreement produced by Lloyds in response to your s77-79 CCA Request was unenforceable, so is the agreement you received within the SAR response the same document?

Di

[Susiebling365]

No we have heard nothing more from Priestley solicitors.Not since the lockdown started and they said they were backing off for a while, then Intrum sent that letter of offer a couple of weeks ago.

When we first started on this unenforceable trip, i asked Lloyds for a credit agreement, and they sent something that was like a statement, and also some terms and conditions, I sent them to Niddy who said they were unenforceable. This was 2017.

Recently we sent for the SAR and a bundle of stuff presented this agreement which I sent to Niddy, at the beginning of July, he s not come back to me yet.

I have not requested anything from Intrum, I think it was you who suggested maybe not a bad thing to ask for SAR , being that Intrum were getting the solicitors to write.

SB

[Joanna Connolly Solicitors]

She went through the paperwork SAR, and found an agreement which is not what was sent in the first instance, and what I sent to Niddy, it was nothing like an agreement. Anyway, the agreement she found I have forwarded to Niddy to inspect to see if its still uneforceable, fingers crossed.

She has had a nice letter ,16th June, suggesting/ offering a deal that if she pays about 2 thirds they will write the rest off, but just ignored it. as we do.That was sent by Intrum, but nothing from the solicitor.

Your daughter had received a Letter of Claim from Judge & Priestley earlier in the year, but she's not heard from them since. From what you say Intrum have written to her with an offer.

In the meantime the SAR to Lloyds has produced a credit agreement which was not the same as the 'credit agreement' your daughter was sent by Intrum (or J&P?) in response to her s77-79 CCA Request.

Has Niddy told you whether the credit agreement Intrum produced appeared to be enforceable regardless of whether it's the real deal?

Di

[Susiebling365]

Hi,
She went through the paperwork SAR, and found an agreement which is not what was sent in the first instance, and what I sent to Niddy, it was nothing like an agreement. Anyway, the agreement she found I have forwarded to Niddy to inspect to see if its still uneforceable, fingers crossed.

She has had a nice letter ,16th June, suggesting/ offering a deal that if she pays about 2 thirds they will write the rest off, but just ignored it. as we do.That was sent by Intrum, but nothing from the solicitor.

Thats it.....Time keeps rolling ....S X

[Joanna Connolly Solicitors]

We have received a solicitors letter from Intrum re the Lloyds card. Niddy deemed this agreement to be and we have recently sent for SAR, but as yet not received anything back.

I have contacted Di as she mentioned previously....

Has your daughter heard anything more from Judge & Priestly solicitors ?

Di

[Joanna Connolly Solicitors]

This is just an update on our Intrum episode with the Lloyds Credit card.

They had started getting all official with a solicitors letter etc threatening court action . . . they did write to say in the current covid situation the account has been frozen and put on hold

. . . . my daughter has received a stack of paperwork regarding the debt with Lloyd (SAR) . . . I am going to help her look for an original agreement

I've not seen any claims issued by Intrum since the Covid-19 situation began. However it's good that your daughter now has the Lloyds SAR response so she'll be one step ahead of them if they do issue eventually.

Debt purchasers don't automatically have access to the same information as the banks' customers. Data can be restricted by the original creditor depending on the terms in the Deed of Assignment.

So look for the original credit agreement but don't panic if it's there (and it would need to be compliant) since Intrum may not get hold of it.

Di

[Lola girl]

Hiya

Whatever you do let us know. Have you seen the thread about these cowboys?

Diana Mayhew - seen this

Hi Niddy

yes read it with interest. Cheeky upping their threats at this time when they aren’t in a position to take to court anyway!

I will keep updating with any contact thanks!
Lola

[Never-In-Doubt]

Hi, read your thread with interest as I have a debt with Intrum and have been receiving the same letters as you the last few weeks. I will now expect the same letter of claim to come through! My diary is on page 2 of the diaries if you are interested in having a read.
Good luck
Lola x

Hiya

Whatever you do let us know. Have you seen the thread about these cowboys?

Diana Mayhew - seen this

[Susiebling365]

Hello , Yes I will go to look, not popped on here for few days. She has received nothing yet as they have backed off for the virus interlude. However from what i have been told Intrum aren t able to take these debts to court. You ll have to read the thread about it, Something about not being registered with FCA, i think. This debt is unenforceable anyway, Good luck to you

[Lola girl]

Hi, read your thread with interest as I have a debt with Intrum and have been receiving the same letters as you the last few weeks. I will now expect the same letter of claim to come through! My diary is on page 2 of the diaries if you are interested in having a read.
Good luck
Lola x