Intrium Justistia M+S loan HL Legal

[jj itch]

I owed Marks and Spencer £15,000 over 10 years (£22,000 now) ago,I went on a debt management plan , anyway a solicitors by the name of Geoffrey Parker Bourne bought the debt, but it was then transferred to a company call HL Legal Collections. I wrote to them last week asking for the CCA and today I received a letter back saying that they could not help but my letter was noted, but Intruim Justiatia owed the debt now. I have CCA them today anybody got any ideas how to deal with all of this

[Gerald Gardner]

I owed Marks and Spencer £15,000 over 10 years (£22,000 now) ago,I went on a debt management plan , anyway a solicitors by the name of Geoffrey Parker Bourne bought the debt, but it was then transferred to a company call HL Legal Collections. I wrote to them last week asking for the CCA and today I received a letter back saying that they could not help but my letter was noted, but Intruim Justiatia owed the debt now. I have CCA them today anybody got any ideas how to deal with all of this

 

So you owed 15k 10 years ago and now its 22k. have you been making any payments?

[PGH7447]

and you only need to cca whoever was chasing they should have passed your request on, if it is over the 12+2 days since you requested it send hl legal the account in dispute letter

[F_DCAs]

Has there been a full 6 year period where no payments were made or written acknowledgement of debt has taken place?

[jj itch]

No i have been paying £10 per month to HL for the last few months I paid Geoffrey Parker Bourne £10 per month before the debt was passed on. no one is chasing me for the debt. I just feel my debt has grown out of control since going on DMP,

[cashins]

I have CCA them today anybody got any ideas how to deal with all of this

 

With IJ, the normal response to a cca request is to send it back along with your quid, saying they they don't have to provide one, go ask the original creditor.

 

This of course is utter bullsh*t.

 

If that happens, send it back with a letter pointing out that as they are trying to collect the debt, it is their duty to forward it to the original creditor. Also point out that if they fail to comply by (12+2 working days from when they originally received the CCA), you will place the account in dispute.

 

In my own (and other caggers experience) they normally give up at that point.

 

David

[jj itch]

ok HL sent the quid back as I CCA them first as they collect the £10, but they sent the quid back saying to write to IJ who own the debt, so I sent a CCA letter to them if I dont hear within 12 + 2 days I will dispute it.

To dispute it what do i do then

[jj itch]

Sorry further point You say IJ usually give up surely with a debt of 22k they will chase it until i crack!!!

[PGH7447]

they can chase away, but no agreement no enforceable debt

[F_DCAs]

You did send the CCA request by the very least recorded delivery?

[jj itch]

ij sent a letter to me today to say they were requesting the agreement from Marks and Spencers so the account is on hold

[cashins]

ij sent a letter to me today to say they were requesting the agreement from Marks and Spencers so the account is on hold

 

Post up what you get back, (remove anything inc account numbers that could identify you).

 

David

[jj itch]

ok I will do, thanks

[jj itch]

IJ still no news on agreement from original creditor of Marks and Spencer how long do i give them

[harrassed senior]

It is 12 working days + 2 days, after that the account is considered 'in dispute' and no further payments need to be made unless you wish to continue making them, and no further action such as further demands, passing to another DCA etc. can legally be taken.

[jj itch]

do i need to now send a dispute letter or wait for contact from them again

[twofoot]

Wait till they contact you again then send the dispute letter. No sense in sending now cos it might just stir them up.

[jj itch]

Ok will do

[cashins]

Send it now.

 

Although they are in default of your request, the account is not in dispute until you declare it to be so.

 

David