Intrum PAPLOC - old Black horse loan

[Pelf]

Hi all,

 

I have received a letter from a solicitor company (Pre-Action Protocol) on behalf of Intrum UK Finance. They are stating that they need a reply within 30 days of the date of the letter. The letter took over a week to reach my address, so the number of days in which to respond is significantly less than 30! I have not named the Solicitor company as I can't find any reference to them on the CAG site. Therefore they may be able to identify me if I did. They are claiming around £8,000.

 

They have included a reply form which includes questions relating to the debt (do you own the debt, owe some of it, don't know, dispute the debt, will pay the debt etc etc.) and and income & expenditure form.

 

I have also received a  letter from Intrum's legal department stating that they have transferred the account to the solicitor company to pursue the debt on their behalf which may result in a County Court judgement etc.

 

Briefly the alleged debt is from:

 

Unsecured Black Horse Loan of £6,000 in October 2008 for 60 months at an interest rate 1.84% per month. There was also PPI of £2,400 on top of the loan at the same interest rate which I cancelled in July 2010. Black Horse refunded around £950 and reduced my monthly payments by £20 per month. The £950 figure is is included in the £7,500 in payments figure below.

 

Black Horse assigned the debt to 1st Credit in March 2013 (Default)

The debt had grown to £8,000 despite me paying a total of £7,500 up to that point. There were approximately £7,000 in additional interest and £600 in late fees. 

I was doing contact work at the time and my income fluctuated depending on how many days I had work.

In April 2013 I signed up with Step Change (stupid I know!)  and paid a nominal amount each month to them up until January 2017 when Step Change cancelled the agreement because they alleged that I hadn't sent an updated I&E form (I had!).

Intrum then recorded a default which is showing on my credit file as June 2017 (presumably overwriting the original Black Horse default).

 

Intrum have sent me letters since that point with various offers (8% off, 65% off etc) and have tried to contact me by 'phone. I have ignored all letters and 'phone calls so far.

 

I'm more than happy to upload documents providing I cannot be identified from them.

 

My question really is do I respond to the Solicitor's letter or request the CCA? or do I ignore it and wait to see what the Solicitor company do next?

 

I have a serious medical condition and am awaiting major surgery, so I would find it difficult to attend a court hearing if it came to that.

 

Thank you in advance for your help.

 

 

 

[Badtimes123]

Hello Pelf,

 

Yes, you do need to reply to this.

 

If you live in Scotland then this debt will be statute barred and we have some other options - do you?

otherwise

If you live in England & Wales then, click this: letter of claim

Follow post 2

 

BT

Edited June 7, 2022 by Badtimes123
typos

[dx100uk]

when was your last payment to anyone?

 

20 hours ago, Pelf said:

in April 2013 I signed up with Step Change (stupid I know!)  and paid a nominal amount each month to them up until January 2017

if the above is true then hit letter of claim and follow post 2

 

intrum cant change the original defaulted date registered by the Black Horse.

intrum cant charge interest from date of sale as BH terminated the agreement.

intrum cant add any addition charges either,

 

you need to get an SAR running to blackhorse 

as if you say there are penalty charges, those and the interest they have caused should be reclaimed/removed from any outstanding balance.

 

 

 

[Pelf]

Hi Badtimes123,

thank you very much for your prompt response. I live in England, so I'll do the letter of claim post 2 as suggested in your post.

Thanks again.

Pelf

[Pelf]

Hi dx100uk,

 

Thank you so much for your prompt response, your advice is really appreciated.

My apologies for for not being as clear as I could have been in my post:

All charges and interest relate to Black Horse when they were the owner. Intrum have not charged any interest or fees.

Do I ask Intrum to change the default date back to the original default date (April 2013) or do I leave it for now?

My last payment to anyone (Stepchange) was January 2017.

 

I'm not sure if this has an adverse impact on my last payment dates, but Black Horse paid a small Recourse amount , to Intrum in October 2018 in respect of interest/fees which they may have incorrectly calculated prior to the sale to Intrum, which reduced the overall balance slightly.

 

I'll do the SAR to Black Horse and the letter of claim post 2 as suggested.

 

Thanks again.

 

Pelf

[dx100uk]

If BH sent a default notice and registered a defaulted date of April 2013, then the debt should not be showing on you credit file 

 

Dx

[Pelf]

Hi all,

 

I sent the CCA request (post 2 as suggested) by signed for delivery on 8 June to Intrum with the £1 postal order (I also sent a copy to their solicitors). They did receive this and I have their signature from Royal Mail Tracking (and the copy sent to their solicitors).

 

I hadn't heard from them until yesterday (22/7/22) when I received a letter from their legal department stating that they sent a letter on 15 June and haven't had a response from me and are now giving me 14 days notice, from the date of their letter,  of their intention to instruct their solicitors to commence court proceedings.

 

As I did not receive their letter that they allegedly sent on 15/6/22, I have no idea of it's contents, so do not know if it relates to the completed Pre Action Protocol form / CCA request that I sent them. 

 

Do I ignore this letter and wait for them to commence court proceedings or do I respond and include a copy of the original completed form stating that I have not had a response from them and that they are in breach of the 12+2 days deadline?

 

Incidentally, I had a response to the SAR to Black Horse and they have sent me some copies of letters and payment history but these all relate to the secured loan that I took out with them at the same time as the unsecured loan that is now with Intrum.

 

There is is no mention of the unsecured loan or copies of either loan agreements in BH's response pack.

I am not sure if BH have included everything that they currently hold on me, but I assume that the requirements of the SAR should include everything relevant and signed loan agreements if they still have them.

 

Thank you in advance for your comments.

[dx100uk]

your is not the next move.

 

unless a court claim has been issued

you dont need to use recorded post.

 

just free proof of posting from any PO counter when you get the postal order.

 

now get reading like threads here.

 

i could instruct my dog to sit

if it does is a totally differing matter!

 

stop worrying.

 

dx

 

[Pelf]

Thanks for the advice Dx.

 

I'll ignore their letter and see what, if anything,  they do next. I'll post back if they do.

I sent it as "signed for" purely so that I had proof that they actually received it. It didn't cost that much extra anyway.

If Black Horse haven't come up with any data for the unsecured loan I doubt that Intrum have anything as I'm sure that they would have produced it by now!

 

Thanks again.

 

Pelf

[dx100uk]

in law you dont need to prove receipt, just you sent it.

 

dx