IND Claimform - HBOS Card ***Claim Dismissed*** - now Intrum chasing

[BFV]

Here are the two letters so far received.

 

#1 is an introduction saying that IND has been "acquired" by Intrum - whatever that means. Then there is the legal stuff about data etc. Also a page on IND.

 

It appears they are trying to keep the two entities separate, probably to avoid further complaints to OFT and FCA about IND, and being associated with them.

 

#2 is dated just 6 working days later, and is more aggressive - stamped from the Legal Department and signed "Lily Chan, General Counsel". I have not checked but suspect she is fictitious. Whilst they are only requesting contact at this point, it is clearly meant to intimidate - all fuel for later reports to OFT.

 

Intrum 1 Redacted.pdf Intrum 2 Redacted.pdf

 

I will be sending this to them -

 

Dear Intrum aka 1^st Credit

 

Your reference …..

 

WITHOUT PREJUDICE

 

You have contacted me about the account with the above reference number. I do not admit any liability for your claim.

 

Enclosed is the Court’s Decision following IND’s attempt to enforce judgement of the alleged debt, along with the order for costs in my favour.

 

Additionally, the alleged debt is Statute Barred.

 

Also, it has been raised previously that the Respondent’s use of a “statutory demand” is trite law and merely a scare tactic to frighten the Applicant into paying and thereby is an abuse of process. It is the Applicants contention that the use of the insolvency laws as a debt collection tool is a misuse of the insolvency Rules.

 

Under the Financial Services Registrar (Financial Conduct Authority, 2019 ) 1^st Credit Limited (Trading/Brand Names (May include Previous Names) is now under name Intrum UK Limited, reference number 718918.

 

The OFT has taken action against the Respondent requiring the company to improve its debt collection practices. The Respondent was previously in breach of Insolvency rules and was investigated by OFT:

‘after investigation found that some of its business processes and procedures failed to meet satisfactory standards’ and therefore OFT had to impose requirements over debt collection practices of 1^st Credit (OFT, 2009)

Any attempt by you to commence Statutory Demand proceedings will be vigorously contented and result in a full complaint report to the FCA & OFT.

 

Do not make any further contact about the above alleged debt. Any further demands will result in another complaint against your organisations with the FCA & OFT.

 

Yours

 

(typed)

[BFV]

Third letter arrived today with a bit more info, saying they are aware IND initiated legal action. They didn't say that they are aware that IND lost the claim! I have reminded them....

Intrum 3 Redacted.pdf

[AndyOrch]

Was the claim dismissed or struck out ?  You keep referring to you " won " you got judgment ...a defendant cant get judgment ?

 

Andy

[BFV]

Claim dismissed and Claimant to pay Defendant's costs etc

 

Don't think I ever stated "won' - they failed, judge found in my favour etc....

[BFV]

Final letter from Intrum

 

 

Intrum Acc Closed Redacted.pdf

[dx100uk]

Hey so you 'won' again....

[BFV]

  I never said it!!