Intrum SD for old HBOS credit card debt ***Withdrawn***

[dx100uk]

slow down..breathe...

 

1st credit [now intrum] were masters at using an SD as a debt collection tool years ago

seems like they are hoping the court will not realise they are upto there old tricks again under their new name intrum.

 

they got told off for doing this then and that's why they stopped

 

have a read of these threads

they will tell you what to do.

and yes that includes a CCA request.

 

https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=1st credit statutory demand&oq=1st credit statutory demand&gs_l=partner-generic.3...16181.25191.0.25827.27.27.0.0.0.0.184.2207.25j2.27.0.gsnos%2Cn%3D13...0.9000j3839768j27...1.34.partner-generic..27.0.0.rG0MVoacgts

[George43]

The demand looks exactly like in gov website but the details of the debt.

 

Can I dispute the demand if I ask CCA?

[AndyOrch]

Get that CCA request off today without fail.....time is ticking.

 

Then refer to the following with regards to setting a side the SD.

 

 

Regards

Andy

[George43]

Big thank you for all the help. Sending CCA today. Anyone could help me to proofread it? Thank you again

[AndyOrch]

Proofread what the CCA request ?

[George43]

Yes please

I am asking them to set aside statutory demand not sure if it's ok

[AndyOrch]

Think we are cross purposes...just send a CCA request today...we can complete forms 6.4 and 6.5 mid week

[AndyOrch]

https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/

 

[George43]

Thank you

 

Anyone knows, do I need to put Intrum on the £1 statutory fee postal order or to leave it blank?

[AndyOrch]

Leave it blank

[George43]

Thank you

these debt collectors are really stressing me out

[AndyOrch]

Now dont let them stress you out...far worse things in life to worry about than Debt Chasers that buy debts for 10p in the £1.

[George43]

Thank you so much, it’s been 3 weeks since I stopped living. No sleeping, no eating, depression and migraine came back, throwing up from the stress. Horrible. 

[AndyOrch]

Dear oh dear oh dear.....they really do have you frightened...I get more stressed when its my round at the bar 

 

Get this into some perspective.

[George43]

Lol, you made me laugh

 

I wouldn’t mind to pay for your next round to save you stress   

 My ex who was proper evil took the money, the police couldn’t find him at that time so they just dropped the case.

[AndyOrch]

Anyway I assume the section 78 has gone and on its way ?  Lets give Intrum a little stress.

 

Give me a nudge on say Wed and we can complete forms IAA

[George43]

Thank you very much, I posted in the afternoon special delivery, they should get it by 1 pm.

 

Talked to solicitors today,

they're not sure if to try to get the statutory demand aside within 18 days, 

because Intrum will have 12 days to deliver the CCA.

 

He also said that for the court won't be enough that Intrum can't provide the agreement.

And he said if to wait 12 days and then try to ask the court to set it aside,

will be too long,

usually it's only asked few days extension, 

if there's bank holidays.

[dx100uk]

 

 

pers id not be wasting time on a solicitor

you dont need one

and most are sadly unfamiluar with the these things even though they come out with the right words or appear too.

 

so you've not read all those threads I linked too?

its nothing to do with the court yet

the court don't even know the SD has been sent.

 

1s credit [intrum] in most cases will just drop it once they can see you know you know your onions

and even if they don't you simply put on the form the examples of the 6.4 / 6.5 that are already in those threads..9/10..the claimant has failed to comply with my cca request etc etc.

[AndyOrch]

You have yet to give us the date that is actually on the set a side....and you came here for advice with just 7 days remaining of your 18 days to set a side...so very little we can do with regards to the time frame.

 

You are not waiting 12+2 days to submit your application.Its irrelevant when you make the CCA request although the earlier the better but in your case I can assure you that Intrum wont be able to comply on an agreement that's 20 years old after you submit it by this Friday , by the time your application is processed they will be in default of your request (12+2)...it will probably take the court 3 weeks to process it and set a date.

 

There are other numerous reasons to set a side a stat demand...none compliance with a CCA request being just one.

 

Hope you didn't pay for that Solicitors advice.

[dx100uk]

it was posted through letter box on the 30th without any date, stamp on envelope or date on statutory demand

[George43]

I am just worried that what solicitor said, that it's not enough to ask court to set it aside just because the creditor can't provide me with the agreement

 

Good morning, thank you for the advice.

I didn't pay solicitors fee, he was talking about setting upside demand at court, only  he was not sure if to wait until 12 days of CCA request expire or within 18 days of statutory demand. 

It looks that better I apply to court within 18 days because you never know Intrum can file bankruptcy petition.

The person on the statutory demand has worked for 17 years for first credit now Intrum  and bankruptcy is endorsed on LinkedIn.

I really woundnt want to get to that.

my account was opened in 2008, but Halifax sold it to Intrum in November last year. Account is only 11 years old.

there were 3 other debt collectors demanding to pay the same debt: Robinson way, CSL and Moorcroft.

 

The demand itself and its envelope are not dated. But the server sent me a letter first class saying that demand will be delivered on that day unless I rearrange with him, if not, it will be served anyway. 

Intrum used server, they didn't do it themselves.

[dx100uk]

why not!

did you read those threads?

 

if we told you it costs £10 per reply here and you didn't read our T&C's so you owe it now and were going for a SD..would you pay it?

[George43]

Than you so much, it's really reassuring.

 

so far where legal help from different agencies, insolvency practitioners and solocitors I got;

- go to CAB (that was from gov legal aid after million paperwork and call assessments if I qualify); you will definitely go bankrupt if you don't pay £9000; sign IVA with me and sell your house within a year because bankrupt will cost you at least £70000; if I don't try to set aside your statutory demand, even though i cant promise anything, you will definitely go bankrupt; pay me money first and then I will see what I can do.

 

Very strange, everybody so far, except here, were threatening me with bankruptcy, if it's not enough I have the most horrible agency threatening me

Very huge thanks

 

 

 

And yes, all solicitors said, it will not be enough to set aside statutory demand at court only because DCA couldn't provide you with credit agreement, if you pay us from £700 to £2500 plus VAT upfront (quotes from different solicitors, even though most of them were advertising no win no fee) we will try to set it aside. 

[fkofilee]

Right - Thing is these DCAs chance themselves on the purchase of these debts. Some they win, some they dont. 

Intrum have been slapped around like a fish before for certain things that they did in the past. 

 

I speak from experience - These companies prey on your stress and vulnerabilities you found that out before you came here. Dont get me wrong, you may succeed - You may not - But you are in good hands here and CAG will try to assist where we can.

Solicitors vary - I understand why you went to them. All you have to understand is that Intrum are not the same as other companies. They specialise in Debt and its all they know in reality... 

[dx100uk]

forget the ambulance chasers they don't know and cant help you

you can do it all for free at CAG.

just follow the advice you are given

and sty away from CAB, their advice is increasingly getting more dodgy recently.

 

dx