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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

 

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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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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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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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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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