I just worked out the cis - it adds up to being a fairly nice sum, but a lot lower than what they are claiming from me.

I haven't heard anything further from them either - yet.

update:

I just received a letter saying the new company name is Intrum.

Letter came from their legal dept.

I've sent no payments and haven't sent in a cis sheet either. Charges would be over £200, totalling over £600 in ci - but still a lot less than outstanding interest accrued outstanding balance they were (are) claiming.... (6k+)

Their last letter said they were waiting for the DN from the original credtor - which 3 months later they still have not sent.

Should I just continue to sit on my hands to see what they produce?

You mean intrium justika?

No

They say 1stcred has changed name to Intrum.

Or is that the same as you just said?

I just checked intrum website.

The swedish company intrum justitia has a uk office in reigate, surrey, called Intrum - which is the same address as 1st credit.

So I guess 1st cred just got bought out?

Really I'll have to go check credit today later

A quick deeper search shows IJ completed the purchase of 1stcred 1 year ago. It has obv taken a further year to change the name.

I have no knowledge of IJ at all.

Any idea if this will make any difference to the fact I am still waiting on the original creditor to send the DN?

None IMHO

Thread open

Thanks Andy

I just received a sols letter from the same group that did the same 3y ago - a PAP with lots of attached sheets to fill in for the courts and i&e.

I haven't made any payments in almost 3y - but I have received several requests for payment and offers of discounted f&f - to which I never replied.

I can't scan any details until tomorrow (if required).

In the meantime - I can confirm that they have only sent a sheet which shows payments to 1stcred (intrum now) since they bought the debt.  They don't show any other details about the debt from beforehand.

The letter does say:

'if you require a written copy of the agreement our client will request it form the original creditor'...

'if you have made an offer of payment this letter is sent because our client does not consider the offer to be reasonable'

'if our client has received instalments the letter is sent cos you failed to keep up with  your arrangement'

'our client confirms that no charges or interest have been added since the date of assignment, although court costs will be added "if we are required to commence court proceedings" '...

They continue to ask me 'to call them to avoid proceedings and judgment and to discuss payment options'....

they want me to fill in 'their enclosed statement of my financial situ sotheir client can fully consider my offer in accordance with my circumstances'.....

Is all the above, just regular threat-o-gram?   Is it the same as I have read elsewhere that I need to reply differently using the cag response, not theirs?   It has been such along time that I have forgotten what I have previously done....

its a letter of claim isn't it (the title) 

so post 2 here

Yes  

A letter of Claim

Thanks dx.

in principle this is a nonsense letter??

I just must reply as post2 on the link?

why is it a nonsense letter..its a letter of claim.

OK - so it is a serious letter.  I have had so many threatening letters that sometimes I mistake which ones are serious.

I am just trying to get on top of this issue.

I've had a Sols letter, PAP, and am trying to sort out my response within the 30 days.   (Letter dated 13th)

I have checked previous communication from the dca/ debt purchaser (intrum)

The last letter they sent me end 2019 stated:

"Unfortunately, further to your request for a default notice, the original creditor is unable to provide this due to the age of the default.  However, we would  inform you that as the Loan Term has expired there in requirement to provide you with the same.

In light of the above and the enclosed invite you to put forward an affordable offer of repayment"

It is really badly written.  Not quite sure what they mean by 'Loan Term has  expired there in requirement to provide...' ??

Just as a reminder because this thread is years old - It was a consolidation loan with repayment schedule over 7y, starting in 2003.

Paid for 5y+ as requested (til end 08).

The DCA stated they have previously provided:

- a signed agreement and

- statements demonstrating how the debt accrued.

The statement pages they have previously provided show monthly payments made as should/ then nominal amounts - til mid 2017. Nothing since.  Apx £6.5 outstanding

Is it important that they have not got the DN ?

Should I resend CCA request to these Sols?  Or again to the dca/purchaser?

And fill out (site) PAP - ticking D & I  - and send this to the Sols too??

What do I put in D, dispute because...???

What do I put in I, also require?? (if the dca had already sent some things...)

for debt covered by the consumer credit act:

send a cca request along with the completed form: (last one was 2017)

NOTE ONLY USE THE ATTACHED FORM below

DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!!

DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER.

USE ROYAL MAIL 1st class - get free proof of posting from any PO counter

box D tick

I dispute this debt because.. the debt purchaser has yet to provide any or all of the required compliant documentation.

box I tick

I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form]

I also require you to supply the following..

A copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

All Transactions.

Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA.

Details of all contractual interest added by whom and on what date.

List of ALL Payments made toward the Agreement

no need to do the financial statement etc anything else or send anything else bar the above

do NOT give them your phone nor email

PRINT your name

never sign the form

staple the £1  PO to the CCA request and send it to the debt purchaser

return the completed PAP form below to the solicitors that sent it to you

attain free proof of posting for BOTH at any PO counter

1st class mail will do. recorded is a waste of money

reply form PAP.pdf 312.93 kB · 155 downloads

thanks dx

written. will send now.

Is it important that they have not provided the DN ?

how long have you been on CAG?...

without a valid dn enforcement is not possible sec 87/88 cca

Thank u dx

Sometimes I get brain fog

Update

Never had a reply to the cca request sent start March

Received 2 letters in last 2 weeks from Intrum:

1) a legal dept letter - offering 30% discount off balance

2) an annual statement - showing no transactions!

No CCA, No pay 

They don't seem to be letting this go

I received a letter from Intrum again in August.   I ignored as they had never sent me the DN.   

However, I just checked my credit file - and it shows a "search" by Intrum (debt collection) in September.

They know they haven't complied.  I filled in the forms I should in Feb.   So why are they doing credit searches?

Should I reply - reminding them they never sent a DN and to go away until they do?

Never start pointless letter tennis with a dca.

dx

Ok.  Thanks dx

Not worth worrying about .