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    • Hi there. So I am currently being scammed by a hire company that I have used previously in the past. I had rented a car from them some time ago but it seems they are using my details fraudulently now. It is not really much of a hire company, more like a small family outfit with just a guy and his son with a small office who rent a few cars out. I have received a letter from police regarding a hit and run on a car I have never rented. Spoke to the hire company and it seems they are doing dodgy stuff on the side.   I had no involvement in the incident, nor did I hire the vehicle involved in this incident. The hire company passed my details on to the police when they were requested for information despite the fact that I did not hire that vehicle from them. I believe that they had kept my details from a previous time I had hired a vehicle from them in 2020. I believe they used this to information from a previous hire agreement to fraudulently pass liability on to me.   They have since sent me a pdf of the hire agreement they had with another person on the dates of the incident and have told me that this was the person who actually hired the vehicle. Additionally the pdf they sent me was not signed by either the hirer or the hire company so I am a bit suspicious they plan to pass this along to someone else in the same way they've done to me. I have just filled out a response to the police letter filling in the info section that I was not the driver and putting the information that the hire company gave me of the "correct" details of the person who hired the vehicle. I have also included a hand written letter explaining the situation that this was probably fraud by the company and that I was not involved in the incident nor was I the person renting the vehicle. I just sent the response to the police a few days ago regarding this.   Additionally, and probably even more surprising given the fraudulent activities these guys are undertaking, they have sent me a MCOL claim for +£10k for this accident they are trying to pin on me. They have included cost of premium, insurance, repairs and time off the road. Absurd seeing as I did not hire the vehicle from them. Hopefully the police issue is sorted out with the info I sent them, although I do worry that they won't accept the hire agreement the company sent me as it was not signed by the hirer or the company, but that is a question for later when they respond. Regarding the MCOL claim, I do not know what I should do. The son at the hire company (who is the guy who sent me the copy of the hire other hire agreement) is ignoring me and the dad at the front desk is claiming he does not have information on what his son may or may not be involved in. This is all becoming stressful. I am not sure whether I should counter claim, defend or can just inform MCOL that this is a fraudulent claim that I should never have been dragged into. Any advice is welcomed. Thanks.
    • New Zealand is bringing in a law to force its financial firms to report on climate-related risks. View the full article
    • Hi   I agree with the above post.   Could you clarify is your building a mix of council & leaseholders or leaseholders only?   The Major Works Charges you mention they have added you are entitled to ask them for clarification on exactly what these works are, when they are going to be carried out, by which company and for a breakdown of their costs for these Major Works.   As you mention as an example your windows you need to have a good read of your Leasehold Agreement to see who is responsible for what maintenance. As an example only your leasehold may have a clause that the leaseholder is responsible for the maintenance of the windows again eample only so have a good read of your lease.   If their are other Leaseholders as mentioned in a previous post it may be worth talking to other leaseholders about setting up a Residents Association as this would be another way to challenge the Management Company as long as they recognise your Residents Association.   Couple of links for you:   https://www.lease-advice.org/faq/how-do-i-form-a-residents-association/   https://www.fpra.org.uk/  
    • urm thats interesting there should have been a windscreen ticket  as they've waited more than 28 days to send the NTK...well spotted.     NTK.pdf
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      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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Intrum UK Finance and Tesco Credit Card


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Hi All

 

  • Tesco Credit Card taken out in 2004 and got into difficulties 2007/08
  • Been gradually repaying debt since then
  • Last 4 years been paying £50/month
  • Current balance circa £2,500
  • Went through I&E with Tesco in January and agreed £50/month for next 12 months
  • Tesco letter and Intrum letter came together in one envelope from Intrum last week
  • Per Noddle, Intrum have done a search

Tesco letter says: "If you have an active repayment plan in place, and your circumstances haven't changed, you can continue to pay off your balance as you are now, but paying Intrum UK Finance Limited instead of us. You will need to take action and update you payment details to redirect your payments to Intrum UK Finance Limited."

 

Intrum letter says: "We understand that you've already agreed a repayment plan with Tesco Personal Finance Plc. We want you to continue this agreement with us so we ask you contact us in the next 30 days to make arrangements to do this. If it's affordable we're happy to accept the same arrangement you had with Tesco Personal Finance Plc."

 

What propose doing is pay £50/month to Intrum for next 4 years until debt is paid off.

What I don't propose doing is communicate with Intrum.

Question - can Intrum force me to go through I&E or any other form of communication with them?

 

I'd appreciate any advice on how I should proceed.

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so they've flogged the debt onto intrum [1st credit]

 

might bean idea to send intrum a CCA request.

 

have you all the statements?

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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Question.......you HAVE reclaimed all fees and charges from Tesco yes?

 

Intrum can be ignored, and paying £50 a month on a non priority debt, whilst admirable, isn't neccessary, £1 a month is all I'd be paying, especially as this account seems to be doing the rounds and evry tom dick and harry is having their pound of flesh out of you!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I don't have all the statements. I have most of them from 2010 but only a few before that. I'll send a CCA request.

Tesco stopped charging interest when the account terminated in 2008. I never had PPI or anything like that on the account.

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sar tescos

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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  • 1 month later...

As expected, continual harassment from Intrum with phone messages left virtually every day. After their first letter "We may take legal action if you don't get in touch", their second letter says the following:

 

We're thinking of taking you to court

We don't want to. But, if you don't get in touch soon, we'll pass your account to our legal team. They'll consider applying for a County Court Judgment, which could make it harder for you to borrow money in the future. They may also add court fees of £105.00 and solicitors costs of £80.00 to your balance.

 

It doesn't need to come to that

70% of customers in your position pay us without going to court. Get in touch within 10 days to repay the full amount, or set up regular payments you can afford.

 

Get in touch in the next 10 days

Get in touch to pay in full or set up regular payments you can afford. You can either:

  • Log on to myaccount.intrum.co.uk to do it online
  • Call us on 01737 235244 to talk through your options

etc

 

I intend to write to them to state that I set up a repayment plan with Tesco in December 2014 and have been making regular repayments ever since and that Intrum have taken account of the 2 payments I've made to them (since the stated balance has reduced by those payments).  Therefore I have already set up regular payments.  I will also request that they cease their phone calls and threatening letters.

 

My question is, are Intrum actually able to apply for a County Court Judgment when regular payments under an existing arrangement continue to be made?

 

 

 

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If they did it would be rather embarrassing given that your making payments.

We could do with some help from you.

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

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so they've complied with your CCA request then?

if not and its gone passed 12+2 working days...why are you paying them at all??

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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