UE Diary of Susieblings Daughter

[Susiebling365]

https://all-about-debt.co.uk/forum/d...lings-daughter

Its the LLoyds one on page 1 of this thread...Think i have done that link properly ?

I think this is just maybe the usual threat letter? but my daughter werritts, and the tone is different. So want to be sure, The Intrum thread is reassuring and I have sent SAR request. I just need to be sure and do I have to send Intrum something.

Thanks Di

[Joanna Connolly Solicitors]

Daughter come home to this letter I have attached from Intrum. The way its worded has put her in a tizzy. Am I correct in thinking they need something like a sold whilst in dispute letter?

Can you signpost me to the history of this debt please.

Any advice, help, options need to be based on available facts.

Di

[Susiebling365]

Good evening

Daughter come home to this letter I have attached from Intrum. The way its worded has put her in a tizzy. Am I correct in thinking they need something like a sold whilst in dispute letter?

Thanks SusieB

[Joanna Connolly Solicitors]

Just read the blog by Jo.. interesting!

Yes it is, so I'll quote it here in case anyone else has missed it >

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..

Link to thread > https://all-about-debt.co.uk/forum/d...inance-limited

Di

[Susiebling365]

okay... think I got it, I just have to discuss with daughter, she goes into panic mode lol. Just read the blog by Jo.. interesting!

[Joanna Connolly Solicitors]

we can do that.. do we send it to lloyds or Intrum as they have bought the debt?

The SAR goes to Lloyds.

Post up if/when you hear from Intrum again.

Di

[Susiebling365]

Thanks ... we can do that.. do we send it to lloyds or Intrum as they have bought the debt?

[Joanna Connolly Solicitors]

If Intrum intend to issue legal proceedings then under Pre-Action Protocol they should send your daughter a Letter of Claim giving her 30 days to respond.

From what you describe that letter is not a formal Letter of Claim.

Now would be a good time for her to send a Subject Access Request to Lloyds for this debt which Niddy has said is unenforceable. That way she'll be prepared if they decide to issue a claim.

Di

[Susiebling365]

Hello

We have received a letter from Intrum with a final discount ( a ridiculous one I may add) offer before they consider court action.

They give her ten days to respond. At the top of the letter it does reference the date they purchased the debt.

With reference to what Di mentioned, about Intrum. Are they not in a position to send these letters, or take her to court?

Also I am right in saying we ignore this and see what ten days brings ?

Just to keep my mind clear in advising my daughter... I cant tell you what a difference she is now 3 years on .....

[Susiebling365]

Thats the strange thing, its only 3 ( but we re half way now ) Still, we are not complaining. We did wonder if it was anything to do with the Co op selling some of its assets recently.

[The Tech Clerk]

after 6 years England/wales or 5 years Scotland a default notification drops off a CRA file, but that is all.

[Susiebling365]

I ve never had knock on doors, my daughter gets phone calls, text, when they sell the debts on but she is out at work all day anyways.

One thing that is bemusing us, is the Co op debt has dropped off her credit files, she has looked at 3, and they just say 2 defaults not 3. Has anyone experienced this? She hasn t heard (touch wood) from them for a while also. Strange, the nice thing is that this is the one that could be enforceable...

[The Tech Clerk]

They can send resolve call (ex snotcall oooppss Scotcalll) who have no powers and if they arrived then you do not have to discuss anything and ask them to go, they will leave a begging letter to contact that is it no powers.

[Susiebling365]

Sarah

Hi Susie. Have you heard anything from Moorcroft since they said they'd visit?

Moorcroft dumped my daughter and passed her onto someone else a while back, as they did with me .They seem to just threaten and I know my daughter was worried that they would turn up on her doorstep.
However, gaining experience from AAD, they cannot do this uninvited, and in fact I think its just a frighten er to get you to pay. I do believe there is a letter somewhere about appointments or uninvited people.

SusieB

[Susiebling365]

Hello Susie B

I'm pleased to hear your daughter is settled in her new home.

I assume you're paraphrasing that letter from Intrum, but can you just confirm whether your daughter has received a Letter of Claim for this old Lloyds credit card debt which has been deemed unenforceable by Niddy?

I'll take a look back at your thread tomorrow but in the meantime here's a post from Jo which may be relevant since Intrum are not authorised by the FCA to issue legal proceedings >





Di

Hi Di,

She had a letter from Intrum that says that they are now the legal owners of the Lloyds balance and that she is to pay the amount to them .That was dated 13th December 2019 . Followed by letters requesting the money. The one I paraphrased was just worded differently with the remark that they were thinking of taking her to court and what that would mean to her in terms of cost. To get in touch in 10 days with how she has decided to pay.

I think it was just how they worded the letter that threw me a bit, but they did say they were " thinking " of doing it.