As expected, continual harassment from Intrum with phone messages left virtually every day. After their first letter "We may take legal action if you don't get in touch", their second letter says the following:
We're thinking of taking you to court
We don't want to. But, if you don't get in touch soon, we'll pass your account to our legal team. They'll consider applying for a County Court Judgment, which could make it harder for you to borrow money in the future. They may also add court fees of £105.00 and solicitors costs of £80.00 to your balance.
It doesn't need to come to that
70% of customers in your position pay us without going to court. Get in touch within 10 days to repay the full amount, or set up regular payments you can afford.
Get in touch in the next 10 days
Get in touch to pay in full or set up regular payments you can afford. You can either:
Log on to myaccount.intrum.co.uk to do it online
Call us on 01737 235244 to talk through your options
etc
I intend to write to them to state that I set up a repayment plan with Tesco in December 2014 and have been making regular repayments ever since and that Intrum have taken account of the 2 payments I've made to them (since the stated balance has reduced by those payments). Therefore I have already set up regular payments. I will also request that they cease their phone calls and threatening letters.
My question is, are Intrum actually able to apply for a County Court Judgment when regular payments under an existing arrangement continue to be made?