Intrum Justitia are a DCA acting (I pressume) on behalf of Capital One trying to collect on a defaulted account from a few years ago.

I read the thread about DCA's and sent Intrum the letter acting if they had bought the debt or if they were collecting it for Cap One.

They have a few more days to reply but I am not holding my breath. The leeter stated that it was a criminal offence not to supply the requested info.

Who do I contact and what action would I take against them for non compliance.

I also sent a DPA request to Cap One but they have not yet replied

just got a letter from intrum justicia for old bill from 2 year ago?

you said you sent a DCA?

What is this and what does it do?

I also received one from capital one and wescot credit services for the same bill at the same time?

are they all the same company?

I've dealt with Intrum.. huff and bluff but don't seem to do much else.

(Spoilt1033.. DCA = Debt Collection Agency.)

I believe you'll find the criminal offence has been removed from the legislation.. it's now only 12 working days and they are in default.

I've tried the FOS for non-compliance on the CCA and they are not interested. TS have just told me to sod off.. so i am going for complaints to the Information Commissioners Office now if that's any help.

The last few pages of my thread may show you what i have been saying to Intrum etc:

http://www.consumeractiongroup.co.uk/forum/mbna/57846-debt-written-off-due-42.html

just got a letter from intrum justicia for old bill from 2 year ago?

you said you sent a DCA? probaly means he sent a CCA Request

What is this and what does it do?

I also received one from capital one and wescot credit services for the same bill at the same time? You cant be chased by seperate DCA's for the same debt

are they all the same company? NO

A cca request makes then provide the credit agreement if it is appropriate to the debt, which is for mainly Credit cards and Loans

Spoilt1033... Crap 1 and Westcot are indeed the same company(check the small print at the bottom of their letters) Crap 1 like to make you think that Westcot are a different company but dont believe it, though they act like they are letters going missing, no coms between the two etc, treat them both with the contempt they deserve!

Hi, found this forum when googling intrum justitia. Obviously new so apologies if haven't posted this correctly! Have been paying £15pm off a Tesco credit card debt for about 3 months. Suddenly got letter saying they increasing to £30, unless I contact them within 7 days, but letter took nearly 2 weeks to arrive! Although I cannot afford the new amount I have paid it by bank transfer today following a really nasty call from them. I explained (I'm self employed) that I have lost £300 income a month & can't afford the £30pm, he just said "we need o/s amt & as not paid will be sending someone round to remove goods to the value of the debt, (around £1000). Then he hung up on me. I'm worried sick. I have drafted a letter, but does anyone have any advise before I post it? Should I send income & expense achedule? Any advice really will be gratefully received. Thanks

That's dreadful Cazzie.. but total bullying tactics. They have no right whatsoever to enter your property and take goods as and when they feel like it so don't worry about that. They are just trying to scare you.

When was the card first taken out? (Applied for.) Perhaps you could start your own thread too?

You pay them what YOU can afford. Don't let them dictate the amount as you are the best person to judge what you have available.

Never speak to these people over the phone. The caller would never have put all that in writing (and thereby giving you proof of what was said) as they know very well they are talking rubbish.

Have you sent a CCA request yet?

I wouldn't bother with an Income/Expenditure letter at the moment myself. Also don't pay by bank transfer but cheque or postal order in future and don't sign anything with your own name. Use a digital signature.

Get your own thread started and im sure lots of people will help. Can you post your draft letter up here (or on your own thread once you have sorted it) so we can have a little look. )

Thanks feel a bit better knowing it's just "talk"! I'm really thick over these matters but what is CCA and what does it do? I won't send the drafted letter I wrote in a panic earlier, will rewrite it with my offer as suggested. I'll have to study site and find out how to start a post etc. I came on here in a bit of a state and panic, I'm supposed to be writing assignments today for my childcare course, and have been sidetracked! Thanks for calming me down a bit for the moment!!

No worries.. never write in anger or haste.. take a step back and write at your own pace. Best way

Have a brief skim through my thread. No need to read the lot from start to finish but i was a newbie and worried to start with and now i am not bothered at all!

http://www.consumeractiongroup.co.uk/forum/mbna/57846-debt-written-off-due.html

A CCA request is asking for a copy of the original agreement under the Consumer Credit Act and there are template letters for that all over the place on here. Can't find it at the mo but im sure someone will point you in the write direction.

Thread moved to the Debt Collectord Forum

Hi, Last year I sold some goods on ebay, transaction was £1,400 through paypal, the goods we're posted off through DHL using parcel2go.com according to the tracking info the goods have been confirmed delivered and signed for. The buyer falsely filed a paypal claim.

I was on holiday when the buyer filed the claim so I had no paperwork with me. I gave paypal a tracking number from my head but with 1 digit wrong by mistake.

I came home and gave all the correct info to paypal. A paypal advisor said I've got 72 hours to fax further info. What happened next was I recieved another email within 18 hours from the 1st email saying the case has been granted in the buyers favour.

Now I was furious with this. I constantly emailed and contacted paypal to sort it out. They said they're reinvestigating it etc but nothing happened. Then I started recieving calls from intrum justitia to make a payment of £518.00, this has been going on for a few months..........

Does anybody know what can be done. What should I do. I've sent a letter to intrum too with a photocopy of the DHL reciept of delivery etc. The buyer has recieved the goods and falsely making a claim. Do I stand a chance in getting this Debt problem sorted out. What would happen next? If I wanted to go court what can happen?

I have a very similar problem with paypal, and now intrum justicia.

I sold a laptop on ebay in May 07. I received an email from the buyer confirming receipt and heard nothing more about it.

I then tried to buy something through paypal a few months later and found my account had been limited.

Having spoken to paypal it seems the buyer had fraudulently disputed the receipt of the laptop and paypal had found in his favour without any correspondence with me.

Unfortunately by the time I found out about the dispute I no longer had the tracking number!

I appealed by email in October 07 and had not heard anything about it until yesterday when I began receiving calls from Intrum Justicia chasing for payment.

Last year I tried contacting the buyer (has a store on ebay) but they claimed the employee I needed to speak to was either off or on holiday each time!

Not sure what I can do, I have re-sent my appeal to paypal together with the email I received (via ebay) from the buyer stating - "Thanks, I have received the laptop".

I have asked them to stop Intrum chasing in the meantime but im not sure how this dispute can be resolved?!

Any advice from someone who has been in a similar position would be much appreciated!

Thanks

ATTN problempaypal & ad1878 - and any other newbies thinking of doing the same.

If you start adding info about your case in someone elses's thread then it will get lost as people here would get confused with more than one story per thread.

Start a thread of your own, ask questions, and people here usually help.

 

I wouldn't bother with an Income/Expenditure letter at the moment myself. Also don't pay by bank transfer but cheque or postal order in future and don't sign anything with your own name. Use a digital signature.

 

Why use a digital signature? Am I missing something?

From what I have learn't some DCA's can get a bit naught and havebeen know to forge signatures, so as far I am aware you should never give your signature to them, but if you do take severe precaustions.

This is what I was advised of a while back.

Someone else may havea different reason though.

Hope this helps

Red

xxx

'Copy and paste' jobs in other words. Although when sending a cheque they will get a signature that way so if you are concerned about it send a postal order instead.

Hi,

I am owing a payday loan company it is now going to intrum justinia.

Will they accept small monthly payments. The last time i spoke to intrum thy demanded full balance. I put the phone down.

What can i do to get them to agree to affordable monthly payments?

PLEASE HELP

It could not be simpler porth. Keep on putting the phone down every time they call so that they don't have a chance to bully you with lies. If you get letters BIN THEM. NEVER EVER reply to a DCA. Don't write, don't phone. Their stock in trade is verbal bullying. They will not take a debt further if they don't get a result, they usually sell it on to another agency so the process begins again. Then, learn from your mistake of having talked to them and simply ignore them.

It's generally a waste of time thinking about your credit rating- by the time these parasites get hold of it the damage is already done and won't be repaired by you adding to their profits.

In the (fairly unlikely) event that anyone knocks on your door, remember this:

1. They have no right to enter or remain on your property. Tell them to leave, if they argue or refuse your options are to use such force as is reasonable to remove them from your property, or to call 999 Police and tell them you are afraid there will be a breach of the peace as a trespasser refuses to leave.

2. They have absolutely NO RIGHTS WHATEVER to take or attempt to take any property belonging to you. That would be theft.