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Moon phases


intrum advice please

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Post by waylander62 on Tue Dec 10, 2019 5:00 pm

RHS under the posters name you will see a box with a little figure and the letters mp click on this and it should work

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Post by Hopesprings on Wed Dec 11, 2019 10:37 am

does anyone have an up to date template of a sar letter

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Post by Hopesprings on Mon Jan 13, 2020 10:36 am

how long should you wait for Sar information to come back.

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Post by waylander62 on Mon Jan 13, 2020 10:48 am

30 days from receipt of your request

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Post by Mrblue2015 on Mon Jan 13, 2020 11:14 am

@Hopesprings wrote:how long should you wait for Sar information to come back.

Waylander62 is correct. However often, and from personal experience, it can take a longer and I have needed to complain to the ICO as a result. One took many months. Despite the legal obligation on them (to reply within a month) many companies - esp debt companies - drag their feet (I wonder why.........................!)

So get cracking ASAP Smile
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Post by LionsShare on Mon Jan 13, 2020 12:00 pm

Also from experience make sure you get EXACTLY what you asked for, they are quite fond of giving what they think you asked for. Shocked
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Post by Mrblue2015 on Mon Jan 13, 2020 12:32 pm

@LionsShare wrote:Also from experience make sure you get EXACTLY what you asked for, they are quite fond of giving what they think you asked for. Shocked
Yep, ain't that the truth...!
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Post by LionsShare on Mon Jan 13, 2020 1:16 pm

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Post by Hopesprings on Sat Jan 18, 2020 3:41 pm

Update

After receiving the letter from intrum threatening court action i replied acknowledging the receipt of the letter and telling them i was seeking legal professional advice and they hadn't provided any of the original documents requested in my previous letters. Any way I have now received another letter just stating how much the debt was for and the date it was assigned to them and requesting I contact them to arrange a payment plan no mention of court action? Do you think that because they can not provide the original documentation they have changed their stanch. Would welcome any advice.

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Post by waylander62 on Sat Jan 18, 2020 4:44 pm

difficult to say what this means, it is likely to be just another template that their PC has flagged up needs sending.

remember these DCA's in the main are useless and the left hand have no idea what the right hand is doing so stay alert and wait for the next letter, in the meantime chase up that SAR.

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Post by Mrblue2015 on Sat Jan 18, 2020 8:41 pm

@waylander62 wrote:difficult to say what this means, it is likely to be just another template that their PC has flagged up needs sending.

remember these DCA's in the main are useless and the left hand have no idea what the right hand is doing so stay alert and wait for the next letter, in the meantime chase up that SAR.

100% agree with Waylander62. These DCAs are pathetic and, personally, I have easily shaken off at least four easily so nothing to worry about Smile
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Post by Hopesprings on Sun Jan 19, 2020 8:37 am

thank you for the response think i may have to put a complaint into the ico regarding the sar

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Post by Mrblue2015 on Sun Jan 19, 2020 8:54 am

I would as the ICO did get onto the organisation in question in my particular case and they provided more info (still not all of it though tbh...) I also tried to claim compensation for the org taking over a month (the limit) to provide all SAR docs but the ICO said I would have to deal with that myself (thanks!!)
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Post by Mrblue2015 on Sun Jan 19, 2020 8:59 am

Also, check out this excellent post (jump to Sunday May 19, 2019 3:48 am) from assassin which 'translates' some of the wording that the DCAs like to use to mislead you / try to pathetically induce some sort of fear ;-)

https://goodf.forumotion.com/t3496-credit-security-limited
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Post by Hopesprings on Fri Jan 24, 2020 4:30 pm

Hi

Update on intrum have now received another letter they want to help me pay my debt without taking me to court, They are willing to give me a discount if I contact them with 10 days and pay it in full no mention of how much the discount will be should i respond in any way at all or just ignore this latest letter.

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Post by daveiron on Fri Jan 24, 2020 5:04 pm

Other than to rebut their presumption that you owe them money if you wish.
That letter is to intice you to admit the debt. If they had all they needed
to get full payment via court ,why would they be offering you the chance to
pay less ?
Otherwise do nothing until you get all the info from your SAR.
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Post by Mrblue2015 on Sat Jan 25, 2020 12:49 am

DI is right, on every point. The Debt company knows the debt is not enforceable legally and so this is their way of at least trying to get something from you rather than nothing. So with that in mind, look at it as a small victory that they’re unwittingly admitting their claim represents nothing more than an alleged debt Wink
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Post by Hopesprings on Fri Jan 31, 2020 4:58 pm

update

Received another letter from intrum they are planning to hand over the account to their legal team on the 7/02/20. They may apply for a County Court Judgement to demand i repay the money by a certain date.
If a judgement is granted they can apply to the court to issue
An attachment of earnings
A charging order

Have now written a complaint to the ico regarding tesco's and the sar
Do i respond in any way?

Our are they trying frightening tactics


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Post by daveiron on Fri Jan 31, 2020 5:14 pm

Its just the usual next step , Notice the "we MAY", not we will.
If they had all they needed they would. If you have completed the 3 letters
you can ignore if you wish. Personally I always rebut.
Something along these lines is all I would do.

I am in receipt of your letter dated xxxx in which you have again failed to supply
a valid proof of claim .I once again rebut and reject your presumption that I
owe a debt to your corporation.
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Post by Hopesprings on Fri Jan 31, 2020 5:18 pm

thank you for the prompt response

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Post by LionsShare on Fri Jan 31, 2020 5:50 pm

Mrblue wrote:Also, check out this excellent post (jump to Sunday May 19, 2019 3:48 am) from assassin which 'translates' some of the wording that the DCAs like to use to mislead you / try to pathetically induce some sort of fear   ;-)

https://goodf.forumotion.com/t3496-credit-security-limited
re-reading this thread & seeing mrblue's post above what assassin states (starts: Look at the wording) makes sense, can certainly help me with something I am looking into.
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Post by Hopesprings on Sat Feb 15, 2020 9:17 am

Update

Hi
I have received a letter from the ico confirming they have received my letter of complaint nothing back from them yet.

I have received two letter from intrum Legal Department both date 10.02.20.
One introducing out legal team they now have my account and they are in charge of getting a CCJ issued against to demand i pay the money back.
If I don't get in touch in 10 days they will pass to their solicitors.
Again if I don't they MAY apply for a CCJ and the court could also demand i pay the court costs.

Second letter responding to the letter I wrote to them they have acknowledged my request for a copy of my credit agreement pursuant to the section 77-79 of the Consumer Credit Act 1974

They have now requested this from Tescos as this debt goes back to 2008 how successful will they be obtaining this.

In the interim they confirm that no further action will be taken against me in respect of this matter by them until the credit agreement had been provided.

So what does this mean for me?

Any advice is welcome


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Post by waylander62 on Sat Feb 15, 2020 9:34 am

that means they can do nothing except ask you to 'donate' money to them until they have fulfilled your CCA request.

so have a break but keep pushing for the SAR

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Post by Mrblue2015 on Sat Feb 15, 2020 10:44 am

Waylander62 is spot on as always.

If I had a pound for every time I saw the word “may” in the letters I receive, I’d be a rich man Wink
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Post by Hopesprings on Fri Mar 20, 2020 12:34 pm

Hi
Update
I have received Right of Access documentation from intrum am i right in thinking this is a SAR I thought this would of come from Tesco's the original creditor.
Doesn't really tell me a lot just copies of the letters I've sent and what they have sent me about 5 pages of email messages and of copy of my credit card application that dates way back.
Is this what Tesco's would have sent to intrum when they purchased the debt and is this all that both parties have.
The account is still on hold whilst they await the requested information from Tescos wouldn't tesco's have provided everything they have already?

Any advice


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