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

[dx100uk]

On 10/05/2021 at 16:45, dx100uk said:

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

 

did they?

 

[Clint12]

The transactions log has the word "Kunde" near the top this means Customer. 

It states my ex-wife's name here, it looks to me like these payments have been going through an account in her name and then at the end they transferred the balance (inc the overdraft) somewhere else. 

We divorced in 2015 when I returned to the UK. 

As you can see this happened after then.

[dx100uk]

1 hour ago, Clint12 said:

then at the end they transferred the balance (inc the overdraft) somewhere else.

 

which they are now asking YOU to pay?

 

dx

 

[Clint12]

Hi DX,

 

Yes it looks that way.

 

Thanks

[dx100uk]

so we need to construct a suitable reply to the PAPLOC by 30 days. based upon post 5 here

 

The Pre-Action Protocol for Debt Claims is made by the Master of the Rolls as Head of Civil Justice. 1st Oct 2017 - Court Procedure and General Guidance - Consumer Action Group

[Clint12]

DX,

 

Ok, thanks.  I'll construct a reply.  How would you like me to share it?

 

Many thanks,

[dx100uk]

as text here suitable redacted.

[Clint12]

Hi DX,

 

for the first section  - I am in dispute because the docs are not in English, one not mine and etc...

 

next section - then ask for docs based on above attached but edited to reflect my case?  

[dx100uk]

because the Original Creditor nor their Client have provided any enforceable paperwork in my name proving their claim, nor explained how the balance is arrived at. It is noted the sum claimed consists mainly of a merged Bank OD balance from an Account i never held.

 

 

[Clint12]

DX,

 

Much Appreciated.

 

Thanks,

[Clint12]

Hi all,

I last sought assistance regarding this in May 2021 after receiving a letter of claim from CLI. 

I subsequently completed the PAP form and attached an appendix requesting a list of various documents with in the relevant time frame. 

I received a letter approx. 2 months later simply apologizing for not responding to my request, but they were awaiting a response form the creditor.

  I've heard nothing since until now.

I have received a letter over this weekend stating this was a Final Notice before Court Proceedings. 

Effectively they have sent a 2nd class posted letter dated three days before the post mark, giving me 7 days to arrange payment before starting court proceedings against me at their client's request.

Should I respond to this and if so, how would you suggest I respond?

Clint.

[dx100uk]

no read it properly

it doesnt say WILL anything

 

dx

 

[Clint12]

Thanks DX.

 

I've read it again and it states, "We will initiate Pre-Action Protocol for debt claim which applies to this matter."  That is the only WILL in the letter.

 

What does that mean?

[dx100uk]

nothing.

 

 

[Clint12]

Hi again,

 

I have now received another letter of claim from CLI regarding this.

 

How should I respond to this as I have previously responded to one from them regarding this?

 

Kind regards,

[dx100uk]

Exactly the same as you did before..

 

Dx

[Clint12]

Thanks.

Sorry, I have another question, when can I consider this to be statute barred? 

As on the records they have sent me the last payment payment made on the account in my ex wife's name was July 2016?

[dx100uk]

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 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.

 

 

 

[Clint12]

Hi again,

I've been taking advice from you over the past 2 years re CLI chasing a debt with me. 

When I last contacted CAG August 22, they'd sent me a 2nd Letter of Claim, which I responded to as advised exactly as the first.

I have now received a translated copy of the loan agreement with T&C's, with a simple cover later stating the content of the envelope and that they await my response. 

Should I respond?

Thanks,

Clint12

[AndyOrch]

Tell us a bit about the debt and its history and why there is a dispute.

[dx100uk]

threads merged 

complete history here now.

pers id ignore them.

we are going to do court, we are really going to do court...we really really really will now.

fat chance.

dx

 

[Clint12]

Hi there,

I've contacted you over the passed 4 years now re being contacted by CLI regarding a debt from Denmark. 

They've sent me two PAP letters over the course of this period which I've responded to as advised by this forum which have so far not resulted in any action. 

However, I have recently been sent letters via an address I moved away from approx. 5 years ago from a new DCA (EOS).

Have you any advice regarding this?

Many thanks.

[Nicky Boy]

Threads merged... again!

[dx100uk]

On 12/01/2021 at 16:41, dx100uk said:

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.

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

as i said almost 3yrs ago.

nothing has changed

[dx100uk]

thread title updated

dx