New, confused & seeking advice re-DCA's!

[allykat]

Hi all,

 

I'm a new member, after viewing the site for a week or so....

 

I'm in need of some advice over a debt I have, for a natwest credit

card I had in 2002 (ish). Intruim Justitia are currently the ones demanding payments from me. The total I owe is £1,700.

 

I acknowledge that I owe the money but I'm confused about what I should do next...Intruim Justitia contacted me in February and I reluctantly agreed to pay £78 over the phone. I did however explain that this figure was too high to pay every month, but that I would make a lower payment by direct debit. I have since received several letters/phonecalls, and the agents have been extremely rude and aggressive! They will not accept less than £78 per month and have threatened to send an agent out to my house, etc.

 

I contacted the CAB today, but they just advised me to report Intruim Justitia to trading standards as they are harrassing me.

 

Has anyone had this problem before? They are literally phoning my house from 8:30am up to 9pm, 3-4 times a day demanding payment.

 

I do not know if they have bought my debt from natwest, or are just acting as a collection agency for them. I have read that you can request a CCA, but can you still do this if you have made a payment as I have?

 

If I write to them, what should I say in the letter? Sorry if these questions have been answered before I'm just pretty desperate to get these people off my back! Until I start work I can only afford, at a push, about £30 a month but getting them to accept this has so far been impossible!

[Guest Niklowe]

Hi Alleykat

 

First of all read this post, it will stop the harrassment.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html

 

As for asking for your original CCA yes you can still do that even if you are paying them. Write to them asking for it. They have to supply you with the original.

 

here is another link that will be useful

 

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

have a read of these and then start a thread in the debt section of this site. I hope this is of some help to you. Don't despair there have been many cases here that have come to a satisfactory conclusion

 

http://www.consumeractiongroup.co.uk/forum/general-debt/

[gizmo111]

 

!

 

Intruim Justitia are currently the ones demanding payments from me. The total I owe is £1,700.

 

Have you claimed back charges on this account - there is bound to be some - I suggest you send an SAR and start the process of reclaiming if you haven't already.

I contacted the CAB today, but they just advised me to report Intruim Justitia to trading standards as they are harrassing me.

 

Has anyone had this problem before? They are literally phoning my house from 8:30am up to 9pm, 3-4 times a day demanding payment.

 

Send the harrassment letter recorded delivery - it is in the templates.

 

I do not know if they have bought my debt from natwest, or are just acting as a collection agency for them. I have read that you can request a CCA, but can you still do this if you have made a payment as I have?

 

Makes absolutely no difference if you have paid or not, you are still entitled to make the request

 

If I write to them, what should I say in the letter? Sorry if these questions have been answered before I'm just pretty desperate to get these people off my back! Until I start work I can only afford, at a push, about £30 a month but getting them to accept this has so far been impossible

 

Don't offer anything you can't afford - as you are not working are you claiming benefits - if so you really cannot afford to pay £30 per month - I suggest yousend an income and expenditure form and offer £1 per month. Send a cheque for the £1 with the letter and continue to do so each month. Do not set up a direct debit if you widh to pay through the bank set up a standing order.

No court will order you to pay more than you can affford - simply they have to accept token payments.

[allykat]

Hi, thanks for the replies...

 

I have just put together a letter (re-harrassment) using the template, which I will post straight away.

 

There probably will be charges on the account, so I suppose I should send a SAR as you suggest....this is all very confusing, but this site is great!

 

I am currently ignoring all phone calls, I have tried aking Intruim not to contact me this way any more, but their response was that they cannot remove my number from their 'list' or stop the phone-calls as they are automatic! When I did refuse to discuss the account with them over the phone, they said that in doing so I had given them permission to send out an agent...."who you will HAVE to speak to" then they hung up on me.

 

This might be a silly question but, if I ask for a CCA and they send it, what then? Is it worth requesting this as I did sign an agreement with Natwest in order to get the credit card in the first place. Is this merely a delay tactic or something else?

 

Also....how can you tell if the DCA owns the debt, or if they are acting as an agent?