Intrum Justitia./CLI/now EOS chasing Joint Loan debt from Denmark

[Clint12]

Hi there,

I've received 3 letters from CLI chasing a debt that originates from Denmark. 

I previously lived there until 6 years ago. 

The address they have sent the letters to is the address I lived at until mid 2019, the current occupiers have forwarded these letters to me.

All three letters follow the script I've read regarding this DCA. 

The third letter outlining that they have checked and I am residing at the above address (which I'm not).

The advice I've read regarding CLI says ignore them, however I've read some threads talking about Backdoor CCJ's.

Should I ignore these letters or should I engage with them as I don't live at the address they have?

Many thanks,

[AndyOrch]

Hi and Welcome to the Forum

 

what type of debt is this ?

 

Andy

[Clint12]

Hi Andy,

Thanks.

It's a bank loan.

[AndyOrch]

And if you could provide a brief history of the loan and why you defaulted or disputed.?

[Clint12]

Sorry, certainly. 

The loan was a joint loan between my ex-wife and myself. 

After our divorce I returned to the UK in 2015 and continued to pay my share of the loan until around August 2016. 

The bank contacted me to say that my ex-wife had stopped paying her half. 

I continued to pay for a few months, but because I could not  afford the full payments and the charges that were being put on the account I stopped paying.

  I also couldn't access my accounts because I wasn't residing in Denmark. 

You need something called NEM-ID, which you can't apply for outside the country.

I was contacted by another DCA regarding this debt about 3 and half years ago and due to the quite aggressive nature of this DCA I entered a payment plan. 

I wasn't happy with them, because it cost me a fortune calling their premium rate telephone number and they didn't stop the interest as agreed and kept adding charges to total amount. 

They took money from me via a DD for 12 months and then stopped. 

I haven't heard anything regarding this matter until now.

I hope that all makes sense. 

Any help on this matter will be greatly appreciated.

Many thanks, 

[dx100uk]

looks like you got scammed by DCA's from day one that you didn't need to even pay too

a dca is not a bailiff. stuff and all they can do.

 

so these charlatans are now trying it on as you've been mugged before and they think they can do so.

 

 

[Clint12]

DX100UK thanks for your reply.

 

So I can continue to ignore them?

[dx100uk]

Most certainly.

who do CLI state is their client on their letters?

if its the OC

You need to write to the original Danish lender simply referring to the debt and stating your new address.

that will protect against backdoor litigation as the owner of a debt is the only one that can instigate that

[Clint12]

DX100UK, thanks again for your response.

They state the Bank as a creditor within the breakdown of costs, but do not directly mention them as the client.

  They have used the term, "Our client," on a couple of occasions.

 

 

[dx100uk]

they Should state their client at the top of each letter

[Clint12]

Hi again,

 

The last letter opens as below:

 

REPAYMENT PROPOSAL FINAL OFFER

Creditor: Bank Name

CLI ref: xxxxx

Debt Amount: £xxxxx = xxxxDKK

Interest: £xxxxx

Compensation:

Debt Collection Costs:

VAT on collection costs:

Balance due: £xxxxx

 

We regret that you have not..... etc.

 

I hope the above makes sense, all advice is appreciated.

 

Many thanks,

[dx100uk]

The bank

 

its interesting that list of extras 

none of which even if  they had 

can they charge ever on any debt

[Clint12]

Thanks for your advice, I'll let you know this pans out.

[Clint12]

Hi there,

I contacted you back in December regarding CLI chasing me for a debt from Denmark. 

I have received a PAP from them over the weekend. 

The letter is dated 8 days  before the post mark! 

They have enclosed paperwork which is signed by both my ex-wife and I dated in 2014. 

There is also payment data up until Feb 2017, which looks like it relates to my ex-wife's account (not sure they should be sharing this with me). 

I get the feeling they might be at it, but I don't want to risk ending up in court. 

I have currently ignored all their previous letters.

Can CLI take me to court and what do you suggest I do?

Many thanks,

 

 

[FTMDave]

No, CLI can't take you to court as it's not their debt.

 

The bank however can.

 

To be absolutely sure you're in the clear, upload their letter as a PDF, suitably redacted of course.  Just the letter, we don't need to see their enclosures.

[Clint12]

Hi there,

Please the attached. 

I'm afraid it's a bit crude, if you have difficulties reading it. 

Please let me know.

Thanks again,

 

CLI PAPLOC.pdf

[dx100uk]

thats a letter of claim you must respond.

more later bit busy

did you write to the bank last time giving your correct and current address please

and this CLI PAPLOC has come direct to the correct address now?

[AndyOrch]

Follow this link .....

 

 

[Clint12]

DX100UK,

I didn't write to the bank advising of my new address, as CLI started sending me letters to my new address.

I didn't act as the letters were exactly the same as the ones that were forwarded to me.

Thanks,

[dx100uk]

you are lucky the bank didn't raise a backdoor CCJ then .

so do that now ...write to the bank simply informing them of your correct and current address.

the fact CLI are writing to the correct address doesn't negate you must always inform your debt owners of your current and correct address should your move if you've used a source of credit or paid against it the last say 7 yrs.

you indicate that CLI have sent some form of reply regarding the agreement

can you read our upload guide carefully please and scan it all up to ONE multipage pdf please

also

On 12/01/2021 at 16:33, Clint12 said:

I was contacted by another DCA regarding this debt about 3 and half years ago and due to the quite aggressive nature of this DCA I entered a payment plan.  I wasn't happy with them, because it cost me a fortune calling their premium rate telephone number and they didn't stop the interested as agreed and kept adding charges to total amount.  They took money from me via a DD for 12 months and then stopped.  I haven't heard anything regarding this matter until now

who was the DCA then.

CLI are not the debt owners so no they cannot raise a court claim, the bank can only do that through a UK solicitor.

but you must respond to CLI regarding the PAPLOC 

but lets see what docs they have 1st please

[Clint12]

Hi again,

 

The DCA referred to above were called Intrum Justitia.

 

The docs I have received so far are all in Danish.  One is a signed agreement from the relevant bank.  The other is a document that which looks account transactions registered to my ex-wife as she is the named customer at the top of the page.  It also looks like the bank have added her overdraft and interest charges on to the debt too.

 

There are quite a few sides as the loan agreement is doubled sided.  I will have access to a scanner tomorrow, I'll scan, ink out and upload tomorrow.  I hope that is OK?

 

Many thanks,

 

 

[dx100uk]

oh god not IJ..biggest load of fleecers out there. they used to be called 1st credit.

 

in late 2016 early 2017 they also purchased numerous other foreign DCA's hence you got scammed.

 

they can't add your ex's OD into a joint loan debt if the OD was not joint too.

 

dx

 

[Clint12]

Hi again all,

 

I've prepared a doc to upload.  Before I do, do I need to ink out rates of interest etc as well personal info and reference numbers?

 

Many thanks

[dx100uk]

no

pdf only

[Clint12]

Hi there DX,

Please see the attached.  As requested.

Can you/somebody advise how best to dispute this please?

Thanks,

 

Dutch DCA Letter.pdf