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Intrum Finance letter advice please.

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Intrum Finance letter advice please.

Post by Ithesoul on Tue Sep 11, 2018 12:20 pm

Hi All
I have been dealing with Intrum (& formerly 1st Credit), since early 2015 who have been chasing me for payment of a Barclaycard credit card debt. They state that they purchased the debt from Barclaycard in February 2015. I used the old 3no. dca letters plus many follow up letters. I now need to respond to their latest two letters, in which they have offered me discounts & that if I don't make contact with them within 10 days they will pass the account onto their legal team. The account sum is approx £12,500.00.
I have prepared a letter basically using the new 3rd dca letter as a final rebuttal to them. Can you please let me know if you think that this will be the best course of action or do you think I should re-start the 3 letter process using the new letters?.

Many thanks in advance for your help.
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Re: Intrum Finance letter advice please.

Post by daveiron on Tue Sep 11, 2018 1:27 pm

Personally I think you can either use letter 3 or start from letter 1 ,
In any event you need to send these requests 3 times at least ,( 3 seems to be an important number).
You may have more of a fight due to the size of the debt. But it should all come down to proof of claim.

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Re: Intrum Finance letter advice please.

Post by Ithesoul on Tue Sep 11, 2018 1:56 pm

Hi daveiron
Many thanks for your reply. I sent the 3 dca letters to them back in early 2015 & have in total written to them 24 times since then!. Therefore based on your advice I will send them the edited 3rd new dca letter, giving them a further 10 days to provide the requested documents, which will hopefully re-enforce my position.

Best wishes.
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Re: Intrum Finance letter advice please.

Post by daveiron on Tue Sep 11, 2018 2:04 pm

I presume those 24 letters you sent were mostly asking for proof of claim ? If so its to hoped you still have copies of them.

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Re: Intrum Finance letter advice please.

Post by Ithesoul on Tue Sep 11, 2018 2:09 pm

Hi
Yes indeed my letters were asking for the proof as stated in the 3 dca letters & following up on those in reply to the 1st Credit & Intrum letters. I have a fat file with all the letters & proof of postage etc. & have stated to them that I will produce these in court should it come to that!.
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Re: Intrum Finance letter advice please.

Post by daveiron on Tue Sep 11, 2018 2:16 pm

Thats good.

It would appear to me that because of the amount of letters and the time involved ,
they do not think they have enough to litigate. With the amount being over 12K ,you would have thought they would have been all over it like a rash.

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Re: Intrum Finance letter advice please.

Post by Ithesoul on Tue Sep 11, 2018 2:29 pm

Yes good point, back in January 2016 1st credit sent me a letter stating that "regrettably we are considering whether we should refer your account to our internal legal dept to issue county court proceedings against you".
I responded by sending them the pre-action protocol letter & they didn't carry their threat forward but are now trying it on again as the re-branded company Intrum.
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Re: Intrum Finance letter advice please.

Post by Kestrel on Tue Sep 11, 2018 8:19 pm

Offering discounts is usually a good sign they have no proof of claim & as above surely they would have taken the court route by now if they had.

The court action seemed to go up a couple of years back with changes coming in regarding debt collection maybe a panic on their part but nothing really came in to halt their crimes - the on going pursuance of fraudulent debt.

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Re: Intrum Finance letter advice please.

Post by Ithesoul on Wed Sep 12, 2018 3:54 pm

Hi Kestrel
Many thanks for your comments & very reassuring. I will post again once I receive a response back from them.
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Re: Intrum Finance letter advice please.

Post by Ithesoul on Thu Sep 20, 2018 7:16 pm

Hi daveiron & Kestrel
Further to my post & your replies to me, I have now received a reply to my letter which was the edited 3rd new dca letter, giving them a further 10 days to provide the requested documents, from Intrum as attached. It's basically telling me why they don't need to issue the requested information to me, but interesting they don't now mention taking legal action, which they did in their previous letters!.
I would be very grateful if you could have a read of the attached & let me know your thoughts, & if & how I could reply to them.
Many thanks.


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Re: Intrum Finance letter advice please.

Post by daveiron on Thu Sep 20, 2018 7:50 pm

Looks good, Barclaycard cannot produce a default notice ,and have resorted to what is a begging letter.

I have one that a DCA told me is unenforcable but they keep sending me begging letters . I always respond by sending yet another copy of letter 3 with a letter of rebuttal .
I have informed them that every piece of correspondence will be responded to with a further letter for documentation & these will be added to my file to show as such.

On a personal level ,I would always send a letter of rebuttal . (Maxim of Law = he who does not deny ,admits)

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Re: Intrum Finance letter advice please.

Post by Ithesoul on Thu Sep 20, 2018 9:30 pm

Hi daveiron
Many thanks for your reply, great news I will do as you say. Is there a template for the letter of rebuttal that I can use, could you please post a link if there is.
Thanks
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Re: Intrum Finance letter advice please.

Post by daveiron on Fri Sep 21, 2018 7:26 am

Hi, This is all I use . Use all or part its up to you.

Dear xxxx
I am in receipt of your letter dated xx xxxx and received xx xx . I hereby rebut and refute its contents in their entirety . I enclose a further request for documentation regarding your claim that I owe a debt to your corporation.
Said documentation is required in order that I may settle any lawful obligation I may have.
You should also note that all correspondence from you will be responded to with a further request for the documents, and will be added to my records.

--------------------------------------------------------------------------------------------------------
I then enclose a further copy of letter 3.

Anything along those lines , just be sure to add the bits about rebuttal , and settleing any obligation.
Hope this helps,dave

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Re: Intrum Finance letter advice please.

Post by Ithesoul on Fri Sep 21, 2018 9:55 am

Hi daveiron
Thanks very much, I will do that & I will update you in due course.

Best wishes
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