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    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
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Halifax Loan & intrum - now Link - now Statute Barred


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17 minutes ago, HP Mum said:

Thanks dx

 

Still nervous I should respond to their last threat letter reminding that the screenshot dn isn't valid

 

one of your underlying problems has always been you think you must react

thats all they send rubbish letters for is to get a reaction

 

never enter into pointless letter tennis with anyone

this debt is now 22yrs old!!

yours is not the next move!!

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I'm surprised they even bothered sending you that.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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  • 4 weeks later...

A further letter arrived.  

If I pay 50% of alleged outstanding debt this month they will write off the remaining 50%.

They also suggest other payment options are available....

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begging please give us something.

we managed to scam you all those years till you woke up in 2017...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Interesting that letter offered the 50% discount/50% write off if accept in March

- yet another 2 letters have since been sent

- one dated 2 days later demanding the whole amount and one dated 1 week later from a different company acting on behalf of intrum

- resolvecall - asking to pay in full or they will send a rep to discuss in person...

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The Rep is a non threat! Just ignore all their garbage. Unless it’s a letter before claim of course.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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  • 1 month later...

Hi Fletch where did you find this from?

I found something similar on another site relating to a case 

ive tried searching the Fca register, they are listed since 2016 but it doesn’t state what they are authorised for 

Intrum UK Finance Limited v B (County Court at Sheffield (2019)

– Claim for monies owing under a Halifax PLC credit card  agreement

– Defendants application for claim to be struck out

– Upon the court finding that the Claimant is not authorised by the Financial Conduct Authority and is accordingly not entitled to bring the claim the claim struck out pursuant to CPR 3.4(2) (a) and (b)

– claimant represented by Gough Square Chambers

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the very bottom of the page....

 

Intrum UK Limited (fca.org.uk)

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It came from another forum and the website of a solicitor advocate .

I think the key point is the name of the entity that owns the debt so for example Intrum UK Limited is not the same as Intrum UK Finance Limited .

It was noticeable that the case was not appealed. 

Any opinion I give is from personal experience .

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  • 5 months later...

open

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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£6.5k old unsecured debt to Halifax.

 

I have received a further 3 letters from Intrum

2 in October

1 in November

 

Start Oct - first letter they say they have received evidence that indicates i reside at xx address.     They want to speak to me - to discuss details in a constructive manner...  To set up a Payment Plan that is affordable and sustainable etc...  They may even be able to offer a discount...

 

Mid Oct - second letter they say they are committed to help customers and would like to offer a discount by way of a partial settlement - which will write-off 65% of the debt - if I pay by end Oct

 

Start Nov - third letter they say again they are committed to help customers and would like to offer a discount by way of a partial settlement - which will write-off 80% - if I pay the discount sum in Nov...

 

Assuming I don't do anything and very soon they may write-off 100% !!!

 

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as long as they have your correct and current address in writing from you or its not changed

await if/when a letter of claim.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to Halifax Loan/Westcot v HP Mum
  • dx100uk changed the title to Halifax Loan & intrum
  • 10 months later...

open

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

the debt is now statute barred. send whomever you are just to write about our SB letter from the debt collection library

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thanks

This is a very old Halifax loan (like 24y old).  Became Intrum.  Apparently was sold to Link mid 23.

If I read my text above the last payment I made to Halifax was mid 2017.   I believe it is SB.   But I just got a text:

This is an important message from Link Financial.

We have previously contacted you about your Intrum UK Finance Limited account now owned by Link Financial Outsourcing.

We have been trying to contact you so we can understand your financial situation.

We want to help you start paying your account with an amount that is affordable to you.

If you do not contact us, we will pass your account to our pre-legal vetting team who will assess your account for potential legal action.


If your account is selected for litigation, this may result in further costs and interest being applied to the balance.

Please call us urgently on xx quoting reference xxx

I checked my bank records.

Think last payment was June 17. 

should have been SB beyond last summer.   

Thanks dx. 

I will check out the library.

And draft a sb letter

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as i said above.dx

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi

personally I would only send a SB letter if I was absolutely sure it was defaulted more than 6 years ago and no payment has been made in over 6 years. Depending on the term of the loan you might want to leave it longer.

I tend to only send SB letters if they are threatening action although I did recently say over the phone if it was the only account I could think of, it would be time barred as last communication was 1st May 2015

Any opinion I give is from personal experience .

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the dn was issued years before payments were stopped

thread title updated

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to Halifax Loan & intrum - now Link - now SB'd
  • AndyOrch changed the title to Halifax Loan & intrum - now Link - now Statute Barred

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