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Hi guys,


I really need some more urgent advice on this matter.


A few weeks ago iQor sent me a letter saying they were no longer handling this case and I can only surmise it was because they found they didn't have a copy of the updated CCA so knew they didn't have a leg to stand on.


As for Wescot I haven't heard a thing from them in almost two months and that's after me sending them a letter with a copy of previous correspondence from the St Andrew's Group.


Last week I sent a letter to Intelligent Finance because I am just so annoyed that this debacle is continuing.


In it I told them that the account had been passed on from one company to another and that I was originally paying on a loan with no CCA, that all these companies have continually broken the law, that I wanted the default removed and that I thought it was only courtesy if they refunded that money.


This morning I received a letter from IF's Chester branch which, although I first thought was a response to my last letter, it seems in fact that Wescot had passed my complaint back to IF as their letter was written before they could possibly have received my last letter.


They continually apologised for every mistake and lack of communication but then said that the debt is enforceable and also sent a copy of the original CCA (this despite me asking for the updated agreement). They also said they'd informed Wescot to put the debt on hold for 30 days.


So where do I go from here?


Do I wait for them to reply to my recent letter and am I still in a strong position? And are they just trying to bully me into paying this off despite the fact all the companies involved have continually broken the law?





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Unfortunately not. I know there's a scanner at work but for obvious reasons I can't use that.


The problem is not so much to do with the original CCA but because of the way the situation has evolved it's surely the updated CCA (or lack of one) that is important here?


It's over a year since I last posted in this thread so I thought I'd give an update.


In June last year I wrote to the Financial Ombudsman with details of my complaint against Halifax/Intelligent Finance. Since then I've had several letters from the FO confirming they are still looking into the matter and apologising for the continuing delay.


They then wrote to me in February saying they were still waiting to hear from the Halifax and would be in touch as soon as possible.


This morning I received another letter from FO to say they would soon be able to allocate my complaint to an adjudicator (certainly by June 11). It's slightly strange that I've already had three letters signed by an adjudicator.


So does anybody have any idea what exactly happens from hereon in? And I'm guessing that because an adjudicator is involved the FO believe Halifax have a case to answer?


I would be very grateful if somebody could offer any further advice.


It's a little while since I've been on here but still have my claim against IF ongoing.


I've had different adjudicators from the Financial Ombudsman looking into the case over the past few months.


One recently got in touch with IF asking for compensation because of the "stress and inconvenience" they'd caused me. They gave them a two week period to get in touch, but with no response forthcoming they then gave them a further two weeks.


During that time, though, the adjudicator moved departments so another one was given the case.


As of last week (which was the cut-off point for the compensation request) they still hadn't heard anything.


But I received an email yesterday from the adjudicator asking for a little more information from me because they understood that the debt had been sold to a third party. They wanted to know if I'd set up any agreements with the new lender and what the outstanding balance was.


I informed them that I'd never been told by IF that the debt had been sold, although I had received letters from various organistions who I felt were departments associated to IF. I did tell them though that all correspondence related to these organisations were included in the evidence I sent the Ombudsman.


Within minutes after sending that email to the Ombudsman they replied to me saying that IF had been back in touch and they'd said that the debt hadn't been sold on and that it was "merely written-off".


The adjudicator was looking to clarify this with IF, but it begs the question why had IF not informed either me or the Ombudsman that this was the case? If it is confirmed that the debt is written-off then is that the end of the case? And where do I stand in reclaiming any amounts on the original loan?




PLEASE, I really need some urgent advice.


I'll only be able to keep this one short as I'm off to work in a bit, but can post further details later on if required.


I've received the findings from the Financial Ombudsman this morning and basically he's found in favour of Intelligent Finance.


In his letter he stated that: "you hold a debt that needs to be repaid. I do, however, feel your complaint could have been handled more efficiently, expeditiously and with greater attention to detail".


He said according to a letter from IF: "the only agreement that was cancelled was a previous consolidation loan".


He went on to say: "I have discussed all the issues with IF and confirm the outstanding debt amounting to £xxxxxxxxxx was written off on 27 January 2009".


I had also been told by the Financial Ombudsman previously that although it seemed the debt was sold to a third party, two weeks ago IF then got in touch to say it hadn't been sold on and as you can see above was written off on January 27. So why did companies such as Wescot chase me for this?


As the FO seems to have found in favour of IF does it mean they'll now be able to start chasing me for the balance again?


Why, even though the loan has been in dispute for a long period and under the attention of the FO, did IF write it off?


And it's interesting that I've been offered £200 by IF for "the issues and delays in respect of responding to your complaint".


Please, can somebody give me some further advice and tell me where I stand now?


I should add that I feel the FO has given IF more than the allotted time to respond to previous correspondence during this claim.


Originally a previous advisor said they were giving them a couple of weeks and as there was no response they were given a further two weeks. At the end of this period a different advisor took over the case and had still heard nothing and during one afternoon where I was in email conversation with this advisor they'd asked me for more clarification of correspondence between myself and IF. Then all of a sudden he said he'd received an email from IF in which they stated the debt had been written off.


So it seems they've been allowed to push the boundaries to suit their requirements. And it seems it not only did IF my letters they also ignored communication from the FO as well.




Please somebody I need some/any advice to my above post.


I'm very worried and frightened over the matter so would appreciate anybody's input.


It seems I'm close to a conclusion on this long running saga.


I received a final decision from the Financial Ombudsman this morning although I was wondering if someone could clarify a couple of points.


In part of his decision he states that: "Intelligent Finance agreed to abide by his findings and said it would not pursue the debt in future or sell to a third party".


However, in his final conclusion upholding my complaint he said he orders IF to reduce the outstanding loan debt by £1,000 and to contact me to "say whether it intends to pursue the remaining debt and, if so, to negotiate and agree a repayment programme for the remaining balance".


So a little confused on that one???

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Wow - when you say long-running you mean it.


Have you tried phoning the adjudicator at the FOS and asking directly what they meant? It does seem they've contradicted themselves there. They're generally quite good on the phone once you manage to get a call returned.


Otherwise - is anyone pursuing you at the moment? If not I think it's a case of just putting it in the box and not worrying about it.

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