It is now well over the 12+2 days and I have had no response from Intrum or for the two debts with Link Financial (my letters where sent 16.07.20)
I have had another reply from PRA where they basically send me some MBNA statements. In the letter the admit that they have deemed the debt as unenforceable until further paperwork is received. Furthermore, they state despite it being unenforceable they can still;
legally contact me to ask me to pay what I owe
pass my details on to a third-party collection agency
continue to report my account with credit reference bureaux (as appropriate)
I suppose I now have 3 questions;
a. Is the above what PRA are saying true?
b. If they ‘pass on the debt’ (I read this as sell it) do I just send the same letter again to the new company?
c. Can I now write to all 3 of these companies and ask them to remove the defaults on my file as the debts are unenforceable?
Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
I was in Sainsbury’s today and did scan and shop.
I arrived in after a busy day at work and immediately got distracted by the clothes.
I put a few things in my trolley and then did a shop.
I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
I did and they took me upstairs.
I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
I offered to pay for the goods but the manager said it was too late.
He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
The cost of the items was about £40.
I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
I feel terrible. I have to declare this to my employer and NMC.
They kept me in a room on my own with 4 staff and have banned me from all stores.
The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
I’m so stressed,
can u appeal this or should I just accept it?