Jump to content


NeoFuture

1st Credit/intrum/beever claimform - HSBC Credit Card Debt

style="text-align:center;"> Please note that this topic has not had any new posts for the last 317 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Where do i start, i really need some advice, ill give you a bit of background information.

 

Around 6 years ago i got into some financial trouble, my business ran into trouble and i had to stop trading, this cause me to change my finances quite drastically and i had to get a job. a job i still do now.

 

I also lost my rented house a couple of years later and had to live in a caravan while my wife stayed with relatives, winding forward we managed to save enough for a deposit to buy a house last year, this had a knock on effect because we sold everything to get the house.

 

This caused me to default on some debts, and one of these was a credit card with £5k owing, for years I've heard nothing until recently the debt has been passed to Intrum Finance (who i believe are First Credit)

 

I have yesterday received a county court form to the value of £5900 ish (i don't have it with me) for a debt that was defaulted 5 years ago.... i will admit i did bury my head about my debts just to get through.

 

I have no savings and there is no way i can afford to give them this amount now, i know its my own fault, i got myself into this, but i never expected my financial circumstance to change so drastically.

 

if anyone can help, i would be eternally grateful

Share this post


Link to post
Share on other sites

Although the debt was defaulted five years ago, please can you tell us the last date that you made any payment. It would be helpful to know who the creditor was, what the original debt was, if there have been any charges and is any chance that there has been any PPI


Share this post


Link to post
Share on other sites

I cant remember when the last payment was made, token payments were made for a little while after the issues i had, original creditor was HSBC this was passed to First Credit who i believe rebranded to Intrum Finance UK Limited original debt was £5185 i did make some token payments back when the issues first happened that took it down to £5094 and the date of default was 20/11/2013 the debt is no longer on my credit file as HSBC, i doubt there was PPI but again im unsure. sorry im not much help with the specifics it was 5 years ago

Share this post


Link to post
Share on other sites

Thread moved to Financial Legal Issues Forum in view of the claim form received...please continue to post here to your thread.

 

If you could read the following link and then copy and paste the Qs and your responses back here for further advice on how to deal with the claim pack.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2018**

 

Regards

 

Andy

 

Thread title amended


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

Share this post


Link to post
Share on other sites

Thank you Andy, i will complete this when i get home later and have the document in front of me

Share this post


Link to post
Share on other sites

Name of the Claimant ?

 

INTRUM UK FINANCE LIMITED

THE OMNIBUS BUILDING

LESBOURNE ROAD

REIGATE

SURRY

RH2 7JP

 

Date of issue 04 Sep 2018

 

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim?

 

1.The Claimant is the assignee of a Hsbc Bank Plc Debt in the sum of £5404.82 assigned on 23/06/2016.

Statutory notice of assignment were sent to the Defendant.

2.On 01/03/2018 The Claimant changed its name from 1st Credit (Finance) Ltd to Intrum UK Finance Ltd. The debt is a Credit Card account first opened by the original Creditor on or about 13/04/2012 User reference number ****************. The Defendant used the credit facilities.

3.On 20/11/2013 the account Defaulted with an outstanding balance of £5185. The Claimant and its Predecessors in title demand repayment

Of the sum due. In breach of contact the Defendant failed to repay the sums due.

4.AND THE CLAIMANT CLAIMS

1. The sum of £5,094

2. Statutory INTEREST pursuant to S.69 County

Courts Act 1984 at 8% per annum from 27/11/2017 until Judgement or sooner payment.

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Not that I am aware

 

What is the total value of the claim? 5914.82

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card

 

When did you enter into the original agreement before or after April 2007 ? After

 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Not as Hsbc, only as Intrum, and the history of the account (payments and other details are missing)

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claim is not being made by HSBC so I assume its a debt purchaser

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I was never informed by HSBC

 

Did you receive a Default Notice from the original creditor? Yes

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that I am aware

 

Why did you cease payments? Difficult change in financial circumstances, my business went under and I had to close it down and take a job with a significantly lower income.

 

What was the date of your last payment? It says on the credit file Nov 2013, but I was in a debt management plan for a while, and was making token payments as the HSBC debt is not showing on my credit file anymore I can’t find out these dates,

 

Was there a dispute with the original creditor that remains unresolved? No, this was down to personal issues

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, I spoke to HSBC and informed then I was entering a DMP, I was in the DMP for a while but circumstances got worse and the charges by the Debt Management company were more than they were paying to my creditors, the Debt Management company has since stopped trading

Edited by dx100uk
format

Share this post


Link to post
Share on other sites

Now refer back to the link in my post #5...you need to send off a few requests.

 

CCA to the Claimants for a copy of this agreement and also CPR 31.14 to the Solicitor acting for copies of any documents referred to within their particulars of claim.

 

Action the above over the weekend.

 

Andy


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

Share this post


Link to post
Share on other sites

OK ill get on that straight away, I won't be able to get them in the post until Monday morning.

Share this post


Link to post
Share on other sites

don't forget MCOL [AOS]

 

whos the solicitors?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Moon Beever, what is AOS ? do I need to log on to MCOL and so something ?

 

Acknowledgement of Service ?

Share this post


Link to post
Share on other sites

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the start AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

type your name ONLY

 

no need to sign anything

.

you DO NOT await the return of paperwork.

you MUST file a defence regardless by day 33 from the date on the claimform.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
:-D

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Should I start drafting my defence (although I don't know what im doing) or wait a while until I get some documents ?

Share this post


Link to post
Share on other sites

there is no harm in researching what your defence might be and the process going fwd

 

use the search CAG box of the top red toolbar

 

claimform credit card


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Intrum CCA Request

Your item was delivered on 12-09-2018 at 08:06am

Delivered and Signed as CORP

 

Moon Beever CPR 31:14

Your item was delivered on 11-09-2018 at 09:57am

Delivered and Signed as MOONBEEVER

Edited by NeoFuture

Share this post


Link to post
Share on other sites

I have received this letter from Intrum today, am I right in saying there is nothing they can do to stop the automatic judgement and if I did not defend then it would be entered against me anyway, a bit of a snide way to get a judgement... they say they will allow another 30 days until they have the docs I requested

IMG_0339.jpg

Share this post


Link to post
Share on other sites

PDF please

Read upload


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

I have created as a pdf and left the amount in and removed all personal details, I can't see where to delete the other post I made with the jpeg sorry

IMG_0339.pdf

Share this post


Link to post
Share on other sites

Safe to ignore

Std rubbish

 

Don't miss def filing date


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Ive not heard anything more from Intrum or moonbeever so I need to start preparing my defence

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...