Messpot77 ( asking me to contact Global )

[Messpot77]

Apologies-reposted to correct forum

 

 

Hello everyone,

 

Unfortunately I have just come off the phone to an idiot at Global after he has been calling my sister to get through to me and has now managed to get hold of my work mobile number. I'm after advice on the best way to proceed with this.

 

I took a graduate loan out with in 1999 for £10k. Due to various issues this was passed to Inturium Justitia in 2002 and I set up a £100 p/m repayment with them. I paid this every month until October 2010 when I believed the debt was paid in full. I contacted Justitia to confirm but they couldnt find my account details so I cancelled my standing order with the bank and heard no more. Yes I should have pushed for further confirmation but this loan relates to a pretty bad time in my life and frankly I was just glad to stop paying it.

 

Out of the blue in June this year I received a letter to my mums address asking me to contact Global about an 'urgent issue'. I ignored it. I then received one at the beginning of September saying I owed £2700 to Expedito Credito. I googled them and found that they had purchased Inturium Justitia. I sent a letter to Global stating I did not owe them money and any monies previously due had been paid in full. Their reply was an offer to settle the debt for £1900. I replied asking them to provide further information, which they haven't.

 

Since then they have somehow got my sisters mobile number and have been harassing her. Today it appears they have my works mobile number. I answered the call today as I thought it was a client and was subjected to the aforementioned idiot. I should have hung up there and then when I realised but I actually do want to sort this out and he started yelling that I was refusing to pay (which I haven't) and dismissing that I've asked for more information and he basically wanted me to make a payement of £2700 today. He also claimed it has taken them since October last year to trace me despite the fact I've lived at my current address and all my financial information is linked here since 2007. Apparently this is at great expense to themselves. Aw shame.

 

Anyway he threatened litigation and hung up on me. Therefore I basically wish to know how to handle this and what to do first. Can anyone guide me through please?

 

Many Thanks

[PGH7447]

first send a sar of to intrium justiicia of whoevr the hell they are now and demand all statements for this alledged debt, secondly send global the phone harrassment letter and inform them that threats over the phone in future will be reported to the OFT, also inform them that you dispute this alledged debt and until such time as the dispute is settled with IJ they can swivel

[Messpot77]

Hi thanks for your reply. Wasn't sure if SAR was to go to DCA or original creditor but shall send today.

[Messpot77]

Typo on my behalf-Inturim Justitia are now Experto Credite Ltd.

[PGH7447]

normally the sar goes to the OC, but I would sned it to experto seeing has how you have been paying them for 8 years, or just write and demand a statement of account in the first instance,

[Bazooka Boo]

You've been cash cowed unfortunately, and they have marked your file as 'mug awaits fleecing' and are passing it around themselves to each get a pound of flesh out of you.

 

Don't worry about the telephone jockey, they read off a script (those that can read) and are paid by commission, depending on the amount of money they can con out of people.

 

I make it that you paid £9600 in total, you need to ignore them and begin making some very strongly worded complaints about these fools to the OFT&TS also to Ofcom for the misuse of the communication network.

Harassing your sister to get to you is IMO a form of blackmail, DCA's will try every underhand trick in the book to get their grubby paws on pieces of paper with numbers on.

 

IMO I would save your tenner, and ignore them now, check your credit file, this shouldn't appear on their. Don't entertain these fools on the phone EVER.

 

13 years to chase a student loan is by any stretch of the imagination, going to ever end up in court.

[Messpot77]

Thanks guys!

 

Yes Bazooka he was definately reading off a script and kept getting very irate when I interrupted him with questions-I must have made him lose his place

Given that the first 12 months payments were £260 p/m (hence why it got passed to IJ when I asked Barclays if they could lower the payment) I've paid more than £9600 hence why I was adamant not to take this one lying down!

Got a funny feeling I had PPI on this - never thought about that - if anything comes back I might hit them with a claim for it!

[Bazooka Boo]

Ignore them then, wait for their next move, and have a ruddy good laugh at their stupidity!

[Messpot77]

Hi me again

 

Received a letter from Gloal today dated 22/10/12 stating they now have authority from their client to commence litigation. As this has crossed with my letter (received by them on 23rd recorded delivery) stating that I dispute the debt and informing them I have sent SAR to OC can I just ignore this one and await the SAR?

[PGH7447]

ignore, the letter probably says, may, could, might - not will, are able to start litigation

[Bazooka Boo]

There is a long way to go before they can actually issue litigation proceedings anyway, they will have to follow pre action protocols first, as PGH has said have a closer read of their missive, it will say IF and MAY, not will.

[Messpot77]

Thankyou both

[Messpot77]

Subsequent letter today-Global have referred my enquiry to their client and have suspended collection activity. I shall wait to see what their client comes up with.

Thanks for your guidanced so far, I may be back!

[Bazooka Boo]

There you go, classic evidence that their letters are computer generated and simply spat out with zero human input.