Re: intrum advice please

by waylander62 Fri Mar 20, 2020 1:03 pm

it depends upon who you sent the SAR to ?

the SAR should have been sent to tesco directly it sounds to me you have sent it to intrum ?

no paperwork would have been sent to intrum by teso when the debt was sold it never is, so no tesco's would not have provided everything they may have

does it mention the application in their most recent letter ?

by **daveiron** Fri Mar 20, 2020 1:07 pm

Did you send the SAR to Tesco or Intrum ?. If you sent it to Tesco and they
passed all your banking info to Intrum,I would imagine they are in big doo doo.

by Hopesprings Fri Mar 20, 2020 4:20 pm

Hi

I sent the Sar to Tesco's requesting the information twice, had no response so filled out the complaint form to the ICO including copies of the letters that I sent to Tesco's and this is what I have had back but it has definitely come back from Intrum not had any response at all from Tesco

by **Mrblue2015** Fri Mar 20, 2020 4:29 pm

Agreed with DaveIron and Waylander62.

by waylander62 Sun Mar 22, 2020 9:19 pm

have intrum sent a covering letter with the docs they have sent you ? telling you what it is they have sent you and why they have sent it ?

i can only assume that tesco have failed to comply with your SAR request and Intrum have sent you documents to fulfill your CCA request ?

unsure as to what is going on.

by Hopesprings Mon Mar 23, 2020 12:55 pm

Intrum have sent a covering letter with the documents but they are just copies of all the documents that they have sent previously plus about three pages of emails trails .

Plus a really long letter with lots of different paragraphs
Why do we have access to and process your personal data.
What Categories of personal data are you processing about me and why
Are you processing any sensitive data
etc it goes on for about four pages

They have also included copies of the letters I sent to tesco's requesting the information so i think because i complained to the ICO Tesco's have got intrum to reply not sure where I go from here but for now the account is still on hold

by waylander62 Mon Mar 23, 2020 1:40 pm

go back to the ICO and complain further about Tesco not complying with your SAR and getting Intrum to respond on their behalf

have intrum sent you anything that has NOTHING to do with the actual account they bought. If so then Tesco may have screwed up big time.

in respect of Intrum, if the account is still on hold, then i would leave it there.

by Hopesprings Mon Mar 23, 2020 3:23 pm

can i use the same ico form to complain

by Hopesprings Mon Jun 22, 2020 7:12 am

Hi

I have now had further contact from Intrum just sent the same information again Notice of assignment and a signed copy of my credit card application that dates back to 2000 and an income and expenditure form to complete.
All these have now come fro the Legal Department

They have acknowledged that Tescos can not provide a copy of the default notice as banks or not obliged to retain documents for more than 6 years

My questions now are how do i respond to this letter, and if it was to go to court because they have some old statements and letters of assignment where would i stand.

by **daveiron** Mon Jun 22, 2020 7:53 am

Just for clarification, have they at any point sent a copy of the agreement?
Is it complete ,is it ledgeable?

by Hopesprings Mon Jun 22, 2020 8:13 am

The only thing i have is a copy of my credit card application at the top it says Apply for your Tesco Visa card today. I don't have anything else other than a few bank statements

And can i ask what is the difference of a notice of assignment and a deed of assignment

by **daveiron** Mon Jun 22, 2020 8:35 am

The deed is the actual document that assigns the debt ,(you will never be
provided with that) The notice is just a doc that informs you that it has been
assigned.

You may want to consider asking these further questions from them;
1.Do you have the original agreement ?
2. Do you know where the original agreement is ?
3.Will you be able to produce the original agreement in court ?
4 Can you provide first hand evidence that the copy you may have is the
only copy in existance ?

The truth is they will not have the original ,it could be anywhere in the world
and could have been sold many times over. If they were paid by you on the
evidence of a copy only,what is to stop another parasite in the future comeing
foreward with another copy ?

I would suggest waiting for Mr Blue & Waylander. I have to take my PC in for
repair today & may or may not be able to reply for a week.

by waylander62 Tue Jun 23, 2020 12:13 am

how threatening is this letter ?

they dont really have much of a case, the 'agreement' is not compliant with the CCA and no default notice is a real problem despite the 6 years bullsh*t

does their legal department have an SRA number at the bottom ? ( small print )

have Tesco responded to your SAR request and i mean TESCO not intrum

by Hopesprings Tue Jun 23, 2020 7:05 am

The letter isn't at all threatening they are requesting that I complete the financial statement and return with an offer of payment.

Can't see an SRA no.

Tescos never responded to my SAR request but I was contacted by the ICO
and mentioned that I had received the SAR from Intrum and not TESCOs she said it was usual practice when a debt is sold you deal with the debt collector and not the original OC. It looks like Tesco's have washed their hands of the whole thing.

Intrum just keep sending the same documents every time I request anything notice of assignment signed copy of my credit card application old statements.

Should I respond in anyway to this last request for payment .

by **Mrblue2015** Tue Jun 23, 2020 8:34 am

Just to say that you are in VERY good hands with DaveIron and Waylander62 buddy SO LONG AS you help them to help you by being as clear ass possible (without giving out personal details, EXACT sums, dates etc) Wink

by waylander62 Tue Jun 23, 2020 11:21 am

Hopesprings wrote:The letter isn't at all threatening they are requesting that I complete the financial statement and return with an offer of payment.

Can't see an SRA no.

Tescos never responded to my SAR request but I was contacted by the ICO
and mentioned that I had received the SAR from Intrum and not TESCOs she said it was usual practice when a debt is sold you deal with the debt collector and not the original OC. It looks like Tesco's have washed their hands of the whole thing.

Intrum just keep sending the same documents every time I request anything notice of assignment signed copy of my credit card application old statements.

Should I respond in anyway to this last request for payment .

in the first instance what i would do is write a short simple reply to the legal team, acknowledge their letter, then respectfully ask them to provide you with their current SRA number. thats it leave it there, lets see what they respond with on that one.

I will come back to you on the ICO.

who are the company that this has been assigned to ? full name please.

by Hopesprings Wed Jun 24, 2020 6:42 am

Thank you will send the letter

The company is Intrum Uk Finance Ltd

Thanks for all the advice

by Hopesprings Mon Jul 20, 2020 7:43 am

update

I received the following from intrum acknowledging receipt of my letter requesting the SRA no

Organisation details
TYPE:Not an SRA-regulated law practise
SRA ID:493318

Not sure what this means nothing else was included in the letter do I need to respond in anyway.

by **daveiron** Mon Jul 20, 2020 5:19 pm

Just looked at when this thread started ,its now 15 months ,and they still have
not made good on their threats. That alone tells you they cannot obtain what
they need from Tesco's to proceed .It seems clear Tesco's do not have it.
Have you received at any time the terms and conditions for this agreement ?

by **Mrblue2015** Mon Jul 20, 2020 6:19 pm

Agreed with DI, the longer it takes, the more of a story it tells you by implication. All they can do is pester you...

by Hopesprings Tue Jul 21, 2020 7:01 am

I have just checked through all the paperwork and can't see anything for terms and conditions.
Do I wait and see if I receive further requests for payment

by **daveiron** Tue Jul 21, 2020 7:15 am

They must provide you with a true copy of the original terms and conditions
to have any sort of claim .
As this is pre 2007 they cannot give you a reconstituted copy.
Clearly Tesco no longer have it ,& Intrum certainly dont.
Dont rush to reply to anything ,next time you reply tell them you require
a certified copy of the T&C and if they cannot supply them to leave you alone.

by Hopesprings Tue Jul 21, 2020 7:17 am

thank you for the advice

by Hopesprings Thu Oct 29, 2020 12:09 pm

Hi

It's been some months since i have heard from Intrum and today I have received another letter requesting payment. it states Should I make no contact they will pass the account to their solicitors with the intention of issuing me with a letter before claim in accordance with the formal legal process (Civil procedure - Pre action protocol). Should I be worried or is this another threat

by waylander62 Thu Oct 29, 2020 3:32 pm

difficult to predict what they will do,

i believe it has been with their legal team previously ? and here we still are !

have tesco complied with your SAR yet ?

what i would probably do.....

acknowledge their letter, then simply write something short and simple. : It appears that you, Intrum etc, are simply not responding to my request for compliant documents to be provided so that i may lawfully ascertain my pos. in this matter.

To this end and for the avoidance of doubt i will await a letter before claim from your ' unregulated' legal department and respond accordingly via the necessary forms and following the correct protocol and procedure. Allowing the Courts to be made aware at an early stage.

I await receiving your letter before claim

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