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intrum advice please

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Post by Hopesprings on Sat Aug 10, 2019 7:49 am

thank you for the responses they have refused to acknowledge the letters so wasn't sure if it was worth continuing the process but i will now.

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Post by Mrblue2015 on Sat Aug 10, 2019 8:06 am

Yep keep calm and carry on as they say ;-)
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Post by Mrblue2015 on Wed Aug 14, 2019 9:05 pm

Thanks itheman. Do you have a link to the YouTube video?

And you’re so right, just a better understanding to therefore change the mindset!
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Post by Mrblue2015 on Thu Aug 15, 2019 10:56 pm

Thank you!
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Post by Mrblue2015 on Thu Aug 15, 2019 11:22 pm

Thanks to DI too then Smile
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Post by daveiron on Fri Aug 16, 2019 6:43 am

Sorry guys ,urchinatheart gave me this some time ago.
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Post by Mrblue2015 on Fri Aug 16, 2019 7:51 am

Well we still have you to thank for passing it on DI! Smile As I'm sure, in turn, urchinatheart got it from someone else and so on ...
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Post by Hopesprings on Mon Dec 09, 2019 1:19 pm

Have now received letter from intrum stating they are thinking about court action and will pass the account to the legal team They'll consider a county court judgement how likely is this to happen they are threatening £105.00 court costs costs of £80.00 to be added to the balance

would appreciate any advice

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Post by Hopesprings on Mon Dec 09, 2019 1:22 pm

if this does go to court what will happpen

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Post by waylander62 on Mon Dec 09, 2019 2:32 pm

what documents have they provide so far ?

look out for an official letter before action that is important

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Post by Hopesprings on Mon Dec 09, 2019 2:59 pm

they have provided a signed copy of my credit card application and some tesco statements showing the £1.00 payment i was making I did send a Sar to tescos had nothing back, couldn't provide a copy of the original default notice as Tesco's dont have that debt is too old

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Post by waylander62 on Mon Dec 09, 2019 7:11 pm

who has said there isnt a copy of the default notice available ? lowell or tesco ?

when did you send the SAR to Tesco ?

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Post by Hopesprings on Mon Dec 09, 2019 8:44 pm

the sar waas sent to tesco way back in may,

Intrum stated in a letter that the original default notice wasn't available as tesocs only keep paperwork for six years but they sent me notification that they had sold the debt in Jan but they haven't provided me a copy of the original credit card agreement signed by both parties either. As i was paying a token amount can it be claimed that I defaulted

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Post by waylander62 on Mon Dec 09, 2019 10:56 pm

chase tesco for the sar you need to find out what they have

paying a token sum will likely cause a problem as it is an admittance of the debt you will need to evidence the agreement is unenforceable or that no default notice was served

have you checked for any form of payment protection being added each month on any old statements

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Post by Hopesprings on Tue Dec 10, 2019 7:05 am

the ppi was refunded some time back and came off the original debt when tesco's owned it.

Should I reply to intrum and acknowledge the last letter should i resend the sar to tescos

They are refusing to acknowledge the template letters so should i resend again starting with letter 1

sorry for all the questions


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Post by Hopesprings on Tue Dec 10, 2019 7:18 am

I have now re-read the original letter from Tescos and it goes like this

we've decided to transfer (sometimes this is also called assignment) all of our rights in connection with this account from our internal Collections & Recoveries department to another company Intrum Uk Finance ltd So does this mean they are collecting on behalf of Tescos or have they bought the debt

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Post by waylander62 on Tue Dec 10, 2019 1:57 pm

they have bought it

i would give tesco a call and ask them why they have ignored your SAR and tell them you want it immediately else you will complain to the ICO

there are a number of things that can win this for you, but would need to see the paperwork.

looking at the court costs this debt does not seem very big ?

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Post by Hopesprings on Tue Dec 10, 2019 2:52 pm

what paperwork would you need to see is it easy to upload

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Post by waylander62 on Tue Dec 10, 2019 3:58 pm

the notice of assignment

the agreement with the terms and conditions, if you can somehow let me see it without posting on the main site it would be safer

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Post by Hopesprings on Tue Dec 10, 2019 4:09 pm

is that the letter from tescos informing me that the debt has been sold??

where else can you post information except the main site?

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Post by waylander62 on Tue Dec 10, 2019 4:30 pm

yes that is the one

photo it and send in a private message or use an external source with a password to view it send the password in a private message,

or post it on the main site for 24hrs then remove it ?

these people are always looking in on the site

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Post by Hopesprings on Tue Dec 10, 2019 4:44 pm

how do i send a private message

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