Intrum Justitia

[hypern12]

I am sure that this would be a sackable offense if the door stepper was employed - usually they are self-employed but still should be stopped from working for IJ.

 

He will almost certainly have a "arrangement" with a mortgage provider although it may be difficult to prove.

 

 

GK

It was a phone operator who was trying to bully my wife.

He was named in my complaint to RBS concerning this matter.

I am waiting for further responses from RBS and IJ who have both asked for time to investigate the case. If i am not satified with the outcome the s*** will start to hit the fan. !

[hypern12]

I would like to see the communications between RBS & IJ. !

[babybear39]

I would like to see the communications between RBS & IJ. !

 

Now you're asking the immpossible. They can't communicate within their own organisations, what hope do they have with each other

[hypern12]

True sad but true.

[babybear39]

If they do manage it, let us know

[GamekeeperToPoacher]

FWIW,

 

I can assure you that they do not think very highly of that sort of thing and heads WILL roll.

 

GK

[hypern12]

IJ have sent me a letter for me to set up a standing order to pay them.

They politely say that i requested this option. Are they aving a laugh !

Should i bother to remind them that they did not action the cca request properly or just ignore them.?:-x:rolleyes:

[ODC]

Personally I would ignore them

[babybear39]

I'm surprised thay have time to send anything out, they're facing major job cuts

[hypern12]

Can't believe they want me to set up a standing order.

Bit insulting really. !!:eek:

[payback68]

I telephoned RBS customer services and told them that IJ had not responded correctly to my CCA request and returned the postal order and told me to send the request to RBS directly.

The RBS told me this was the right thing for IJ to do as the debt was with the RBS not IJ.

I explained that the request clearly states that that being the case IJ have to pass the request on themselves ! RBS did not agree and said i should send the request to them.! The 12+2 days are up since sending IJ the request what should i do now ?

 

Hi,

 

Just been reading your thread having had dealings with IJ.

 

I am afraid that RBS are wrong with their statement as the DCA has a duty to pass your request on to their client. Below is a small exert from the "What Consumer" website:-

 

CCA Request - Section 77 - 79

 

Under these two sections of the Consumer Credit Act, it is your right to request a copy of the executed credit agreement from the creditor, along with specific and current information concerning the debt (s 77 relates to fixed-sum loan agreements, s 78 refers to running-account credit (credit cards) and s 79 to hire agreements).

 

With regard to loans, the specific information must include:

 

The total sum to be paid, as per the agreement

The sum still outstanding and the due dates for each installment

The total sum payable, if different from the agreement.

The creditor has a period of 12 days working days in order to provide the agreement and the statement. If they cannot provide the information, the debt cannot be enforced until they do.

 

In addition to this requirement, new regulations now require loan providers to provide statements to be sent to the consumer no later than one year after the contract was made. Failure to do this will mean repayments (and interest) can be halted until the statement is sent.

 

Your request must be made to the creditor (via the debt collection agency if one is involved) with the payment of £1)

 

Regards.

[ODC]

Originally Posted by hypern12

I telephoned RBS customer services and told them that IJ had not responded correctly to my CCA request and returned the postal order and told me to send the request to RBS directly.

The RBS told me this was the right thing for IJ to do as the debt was with the RBS not IJ.

I explained that the request clearly states that that being the case IJ have to pass the request on themselves ! RBS did not agree and said i should send the request to them.! The 12+2 days are up since sending IJ the request what should i do now ?

 

This is utter crap by RBS. IJ are chasing you for the money. You send the CCA to them. If they are not the Creditor then they are LEGALLY obliged under S 175 of the Consumer Credit Act 1974 to pass your request on to RBS. Its not your job to contact RBS for this. In fact under S 189 of the same Act IJ could well be defined as Creditors thus having all the rights AND responsibilites of the original creditor

[babybear39]

Also, under the CPUTR 2008 they are morally obliged to pass on the request as the clarifies their dutoes as debt collectors.

[ODC]

In other words IJs pathetic attempts to pass the buck just show them up for the undoubted CRETINS that they are. No wonder they are sacking so many threat monkeys:D:D

[hypern12]

IJ wrote in response to my complaint about their company's bully boy tactics and apologised saying they did not have recordings of the calls to check on what had been said by members of their staff. oh yeah

They say all their staff are trained to be courteous and professional at all times but all future correspondence will be by letter. suits me !

They go on to say they will accept payments by a previous arrangement.

Pity they could not supply the cca i asked for.

The file of letters they have sent will make interesting reading for my MP as i think that will be my next port of call.

How can they defend not supplying the cca then send out letters asking for payment it's pathetic.!!:D

[hypern12]

IJ now are saying that i set up a payment arrangement last week and that i am now in arrears of that arrangement. What arrangement !! more like derrangement !!.

Sent them a letter saying that i do not accept their apology and want further action over my complaint over their scare tactics and the account is in default letter was in there too.

Am gonna contact RBS as well to see what action they have take over the matter as that is where the original complaint was sent and they were going to investigate IJ'S conduct. :-x

[73north]

this is all unbelievable - The DCA don't know when to give up

[hypern12]

It all makes for an interesting case when i decide to make the details public knowledge all these letters make them look stupid. ! But then we know that already:grin:

[hypern12]

IJ have answered an my letter of complaint and account in dispute letter by saying they have told me how to get a copy of the cca by contacting the RBS directly.

IJ keep refering to an arrangement i made to make payments on the account and that they are still awaiting a further installment.

I have made payments to IJ in the past but they always asked for more money and said i could afford to pay more. !

The manager who sent the letter tends to think IJ have done nothing wrong. !

I have also sent RBS a letter demanding answers to the concerns over IJ's handling of the matter and told them i hold them accountable as they employ this bunch of clowns. !:mad:

[hypern12]

Have passed all the details of the case on to the Financial Ombudsman Service including copies of all the letters. Will see what they make of it all.?

[hypern12]

The financial ombubsman investigation is still ongoing and have heard nothing more from IJ. But would you believe it ! Wesscott are now chasing the debt you gotta hand it to the RBS for bloody cheek. !

I have decided to reclaim the charges from the RBS just to keep them on their toes.

[babybear39]

Report them all to TS and the OFT and your MP for gross breach of OFT guidlines by passing on an account in serious dispute. Tell westrot to foxtroxt oscar as you're making a charge reclaim therefore the account is in clear dispute.

[pam56]

:whoo:My friend just told me this. She was getting harrassed by phone calls so what she does now is says "just a minute I'll get somebody (No Name)" then puts on a fake chinese accent and says "ooooo you order chopsuey, curry...whatttttt you order etc etc." She says it really p****s em off as she can hear them in background lol lol