Intrum/Tesco card CCA reply.

[dummyneedshelp]

Hi all.

 

I sent Intrum a CCA on 12/03 by royal mail signed for. Had a letter from Intrum today, dated 14/03. It says.

 

We are aware that you have raised a dispute/query on the above account.

 

What happens next

We will contact the original creditor in order to request any information they hold relating to a dispute in relation to this account. It may take several weeks for them to gather this information.

We will suspend collections activity on this account whilst we endeavor to obtain these documents.

 

What you can do

Please send us any information you have in relation to your dispute/query; this can include;

 

Details of what the dispute relates to

Copies of any letters from the original creditor relating to your dispute

Copies of any letters to the original creditor.

 

The letter gives the date they purchased the account from tesco as january this year.

 

I am still paying tesco £1 a month, and the CCA was the 1st contact i have made with Intrum. Can i safely now cancel the £1 a month payment to tesco, as Intrum are the new owners (according to them). I have recieved no correspondence from tesco.

If they do not comply with the CCA in the statutory time period, as looks very possible, what is my next move ?.

 

Thanks

 

[Claire1979!!]

Don’t send them anything. I’m still waiting for a response to my CCA dated 8/2. What adress did you send CCA I sent to P.O. Box address 

[AndyOrch]

Thread moved to Debt Collection Agencies Forum...please continue to post here to your thread.

 

Andy

[dummyneedshelp]

I`m not sending them anything. I am still paying tesco. Next payment due middle of next month.

Yes i sent it to PO box in Reigate.

If you have had no response since 8/2, surely they are in breach of the time limit. I thought it was 12 days.

Thanks andyorch for moving it to the correct place.

Edited March 18, 2019 by dummyneedshelp
spelling correction

[AndyOrch]

You haven't got a dispute or a query...you have made a legal request using section 78 pursuant to the CCA1974 .....if they cant comply within 12+2 days they are in default and unable to do anything with the debt legally.... forget them.

[dummyneedshelp]

Ok thanks andyorch. Is there a template letter to send them once they are in breach of the CCA ?.

Yes same here with letter. But they must have it because that's the only time I have contacted them. They have replied admitting a dispute so cannot deny receiving the letter.

[AndyOrch]

Noooo we dont do reminders...they are fully aware of their legal obligations and compliance  time frame.

 

Claire1979!! if you could start your own thread on this rather than complicate someone else's thread thanks.

 

Andy

 

[Claire1979!!]

Already have one going. 

[AndyOrch]

So why are you posting in the middle of dummyneedshelp Thread ?

[dummyneedshelp]

Thanks andyorch.

So if they dont give me the information by 12+2 days from the date of their letter of 14/03, i will in future just ignore them. They have not actually admitted receiving the CCA letter,  but sent me the letter with the text in my first post. So i presume thats good enough.

[AndyOrch]

No from the date of your request.....12th March 2018

[dummyneedshelp]

Ok thanks.

[Claire1979!!]

Little update it’s over a month and I’ve not heard a thing from these. Hope yours is going same way too 

[dummyneedshelp]

Clair1979.

No not heard anything from them. So presume that's the end of it.

[lookinforinfo]

Well they can still remind you of the debt and everything would start up again if they found the contract. What they cannot do is take you to Court nor insist that you pay any more money. I presume you have stopped paying the one pound each month?

[dummyneedshelp]

How can start up again ?. I thought if they did not respond within the time limit that was that.

Yes I stopped paying Tesco. I never paid intrum nothing.

[dummyneedshelp]

I don't know if it makes any difference but this was defaulted in 2004. 

My situation has changed and soon I will not be contactable. No address, no forwarding address or mail redirection.

So if they send any letters I will not get them.

[lookinforinfo]

 

21 minutes ago, dummyneedshelp said:

How can start up again ?. I thought if they did not respond within the time limit that was that.

Yes I stopped paying Tesco. I never paid intrum nothing.

If they are able to locate the missing documents then there is the right to continue pursuit including going to Court. However as the debt is going back as long as it has, it is pretty unlikely that Tesco will have kept the original. Intrum might decide to send you a reconstituted agreement and if so please come back to us.

It would be sensible to provide them with an address to prevent any chance of getting a CCJ though the backdoor.

 

[dummyneedshelp]

They have sent me a reconstituted 'True Copy' agreement. Included are some statements. What do i do now ?.

[dx100uk]

scan the CCA return up to ONE multipage PDF

read upload

[dummyneedshelp]

Ok thanks. Will get that done.

[Bazooka Boo]

Even with their ''recon'' toilet paper, they'll need to furnish a court with the original for agreements pre 2007, so I'm guessing they have nothing and they know it, they're simply hoping you won't.