Intrum say LLoyds Loan is not SBd due to defaulted date

[ISJack]

Hi all,

Hope you can help, I stopped paying a bank loan back in Jan 2012 (stupidly) and have received several letters from Intrum. I sent them a statute barred letter and they replied stating that the account wasn't defaulted till march 28th '13 and I am still liable to pay.

Just would like some advice please.

[dx100uk]

well they would say that.

1st credit [now intrum] are masters at trying to spoof people.

ever sent them a CCA request?

what was the loan all about and originally with whom?

 

[ISJack]

Hi,

Thank you for your quick reply, I haven't requested a CCA. The loan was with Lloyds consolidating a credit card and overdraft.

[dx100uk]

which I bet had lots of penalty charges and PPI so get reclaiming.

[AndyOrch]

2 hours ago, ISJack said:

Hi all,

Hope you can help, I stopped paying a bank loan back in Jan 2012 (stupidly) and have received several letters from Intrum. I sent them a statute barred letter and they replied stating that the account wasn't defaulted till march 28th '13 and I am still liable to pay.

Just would like some advice please.

Hardly your fault Lloyd's decided to default it 14 months later.....anyway it will be statute barred even by their rules in another 4 weeks....send a CCA request now.

 

Andy

[dx100uk]

thread title updated for clarity of issue

moved to the LLoyds forum

[ISJack]

I'll send a request today. What am I looking for if I receive it? 

[AndyOrch]

If you receive it scan redact and upload and we will check it...the main reason for requesting it now is to get you over the limitation line ..the request will keep them busy trying to retrieve it and will stop any idea of them submitting a claim before the it is statute barred...as its very close.

[ISJack]

In the letter they last sent me it states to contact them within 17 days to discuss repayment (I won't) or I may be subject to further telephone calls, letters, SMS and emails. Doesn't threaten court. So am I right in thinking they could be fibbing about the default date?

[London1971]

1. Have you looked at your Credit file, it should give you the default date on there?

2. Do as the others say with a CCA Request?

3. Run an SAR to the original creditors, you will be able to find your last payment date and all of the illegal fees, PPI that you can start reclaiming back.

 

 

[ISJack]

Hi, 

I have asked for a CCA and SAR. Checked my credit file and there isn't any default logged. Does this mean they have been lying?

[AndyOrch]

No..it means its fell off your report and reached its 6th anniversary ...March 2013

[ISJack]

Is it now statute barred if it's not on my report?

[AndyOrch]

No...its fell of your Credit files.....its only statute barred if you have not acknowledged or made any payment since you defaulted +2/3 months.

 

So if you have made no payments since March 2013 then its statue barred April/May 2019

[ISJack]

Okay, thank you.

[ISJack]

I've made no payments since January 2012.

[dx100uk]

Good then its sb'd then

[ISJack]

[AndyOrch]

36 minutes ago, ISJack said:

I've made no payments since January 2012.

 

But in your opening post you state Intrum have stated the Default was not placed until March 2013...so they will run from that date irrespective of being placed 14 months late.

 

If the time arises and they ever litigate ...then you would have to argue that the OC was 14 months late in placing the default.

[ISJack]

Hi all,

Received a letter from Intrum today (unable to upload) advising me that the account is statute barred and they have closed the account. They also ask me to confirm if I still want copies of the original agreement and statements.

I'd like to thank you all that gave me excellent advise. Really appreciated. Seems like they were trying it on.

[London1971]

Great Result