Intrum UK finance Limited

by Roo85 Wed Apr 20, 2022 7:44 pm

Hi everyone, apologies if I am going about this the wrong way (first time here) but I am currently having some issues with Intrum UK finance limited. They purchased a large personal loan approx £21,000 balance and a large credit card debt at around £10,000 balance from Tesco Bank. They purchased both of these in Jan 22. Intrum UK finance are the actual purchasers (who I know are not FCA registered) but most letter comes straight from intrum as I have looked into this and they seem to have many different groups. Have been advised on another forum to ignore all letters and contact which I have been doing but this is making me a bit uncomfortable. The latest letter they sent me said they are thinking of taking me to court. It is not a letter before claim but I expect this is what they are building up towards. The credi card was originally taken out online in 2004 and the loan was more recent taken out online in 2016, both defaulted in 2017. I sent an SAR to Tesco Bank 2 days ago first class recorded but I am not sure what info I am looking for in here. I'm not really sure what my next steps should be. Sorry if I have missed out any info or not posted in the correct format but feeling pretty lost on what to do.

by **daveiron** Wed Apr 20, 2022 8:28 pm

Ok , lets preempt a letter before claim.
As we dont know your level of knowledge in these matters ,its best if
we assume its little (apologies if it not the case). Also be aware due to the
large amount they may not give up easily.

Start here ; https://goodf.forumotion.com/t5263-the-new-goodf-approach-please-read-this-first

Then this : https://goodf.forumotion.com/t4987-notice-of-conditional-acceptance-for-debt-purchasers-only.

Get the first Notice sent asap, when you have done that study all the links provided
until you comprehend the process. ( this is important )

Go to the post office and get a bunch of recorded delivery lables ,use these for
every correspondance and quote the tracking no in the notice.
Only ever communicate via Royal Mail .

Get a folder and place copies and responses in cronological order.

From now on only ever refer to this as an alledged debt or account.

Remember to address it to the CEO . From this
point onward ,all correspondance is private and confidential ,and forms a record
of the private correspondence.

You are very very unlikely to receive a reply from the CEO ,but they will try to
divert you from this, with statements about you making a complaint etc.This
should be dealt with separatly.

As you will see the notice is a conditional offer. Therefore there is no controversy
to take to court,and it keeps you in honour.

Feel free to ask questions ,but you must be prepared to put in some effort
to help yourself.

by Roo85 Wed Apr 20, 2022 10:03 pm

Yes I am prepared to put in the effort but I must admit my knowledge is very very limited. I am just really worried about getting something wrong. All I can do is my best. I feel so uncomfortable doing nothing as I just feel like I am waiting for a claim letter to drop through the door. It is quite hard with all the different opinions I get. I spoke to somebody from a very well known solicitors who deals with these situations and who you have probably all heard of. They advised me to ignore aswell. Sorry if I am going off track it's just hard to get my head round the best way forward right now.

by **daveiron** Wed Apr 20, 2022 10:20 pm

I am sure others will agree that to ignore is the worst thing you can do.
It will no doubt result in a judgement against you ,To ignore plays right into
their hands.

Read the first link i sent you, at the bottom is a list of relivant videos etc
that will give you an idea of how the system really works.
Dont worry about the questions we ask in the notices as they will never
ever answer them.

Dont be afraid to ask us questions.

by Roo85 Thu Apr 21, 2022 8:28 pm

Ok so I have read through the link and watched the whole YouTube video which explains all the questions asked to the bank. I am not sure I completely understand everything and the questions at this stage but I will continue to research through the other links at the bottom of this. Firstly I would like to get my first letter sent before any other action is taken. I would just like to make double sure that I am using the correct template the NoCA for DP,s only. I am also struggling a little with how to personalise this slightly as I don't want to start using the wrong wording if that makes sense. I have been in contact with somebody at JC solicitors who have a lot of experience in dealing with this type of thing. Should I mention this at all? Should I also mention anything about the letters having two different company numbers at the bottom one brings up Intrum UK limited when doing a company check who are FCA registered the other is intrum UK finance limited who are not FCA registered. I know my DP us Intrum UK finance. I may be thinking a bit much in to this and it's probably not relevant at this point but just looking at things to personalise my first template. Any help us greatly appreciated. Thanks all.

by **daveiron** Thu Apr 21, 2022 10:30 pm

Is this correct address on their letters Intrum Uk Finance ltd
The Omnibus Building Lesbourne Rd Reigate Surrey RH2 7JP
( never send to a PO box)
if the address is correct ,send Notices to Anette Willumsen ,She is the MD
and seems to hold the senior position.

Just send Notice 1 as is ,all you need to do is put the correct info where xxxx
is and of course your name as laid out .

Dont forget to send it recorded delivery ,save the receipt and print out
delivery info after its arrived.

Get it sent asap ,just in case they are quick with a letter of claim.
Once you have got deeper into the links it will all become clear.
Dont over think this ,its a simple process.
I should be about all day friday if you get stuck.

by Roo85 Thu Apr 21, 2022 11:16 pm

Yes that is the correct address. So just to confirm I don't need to change any of the wording just fill in the blanks. Does the fact I recently sent an SAR direct to Tesco Bank make any difference to this process?

by **daveiron** Fri Apr 22, 2022 9:35 am

Thats correct, just fill in the blanks.
Dont mention anything else,it only muddies the awter.
Its good you sent the sar ,when it arrives add it to your folder in case its
needed in the future.

Give them 21 days before sending notice 2 ,but let us know what response
you get from notice 1.
.

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