Intrum/Tesco debt

[Americanmuscle]

Hi,

not posted in a long time but back again.

 

Tesco who I have been making a monthly payment of £20 against a £2k debt have now sold the debt to Intrum,

ever since they have taken it over they have repeatedly left voicemails

(number is blocked but can still leave a voicemail), text me and written to me asking for me to contact them,

to date I have not made contact and have changed the payments so Intrum are receiving the £20,

 

today I have received yet another letter stating..

"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 Judgement...yada yada yada"

 

Would I be correct in my thinking that as I am continuing to make the monthly repayments (they are lucky to be getting them as been off work for 2 years due to an accident) the reality of obtaining a CJ is slim to none?

 

So, a scare tactic to get me to contact them?

I've no problem writing to them which I'm thinking of doing with a settlement offer anyway.

Or they can apply to a court to obtain a CCJ to get me to pay something I am already paying?

 

Thanks

[BankFodder]

Are these instalments as a result of an agreement which you reach with Tesco? Even if they're not, if they have gone on long enough and there have been no problems then I think you could argue that there is an implied agreement and in that case it might be considered unfair if there is an attempt to change the agreement or even to litigate for the alleged debt.

You need to tell us more about the debt. Fill this out <<<<<

[Americanmuscle]

Thanks, yes the £20 a month has been regular payment since 2017 agreed with Tesco

There is no dispute with the debt so no need for CCA's etc

[BankFodder]

Please fill this out <<<<

[Andyorch]

So what does the rest of the letter state why do they want you to contact them...to up your payments ?

 

Andy

[Americanmuscle]

Just to contact them to either pay in full or arrange a payment plan I can afford, that's it..

..except how much solicitor fees and court costs will be incurred should they take me to court

[ericsbrother]

tell them you have a payment plan and them buying the debt doesnt change that but might win them a complaint to the FCA if they continue to harass you with threats of court etc

[Americanmuscle]

Appologies for the late update, work has been hectic.

 

I wrote to Intrum on 1st April pointing out that when they purchased the debt from Tesco I was already on a payment plan and that this would have carried over when they purchased the debt,

 

I also made a full and final offer to them of £500 (against an almost £2k debt) I sent this letter 'signed for' and still have the receipt, not heard from Intrum until a letter arrived today....

 

'We are planning to hand your account over to our legal team on 09/06/19. They may apply for a CCJ to demand you repay the money by a certain date.If you dont pay and judgement is granted, we can apply to the court to issue: attachement of earnings or a charging order...yada yada yada'

 

I think I will write to them directing them to my earlier letter and see what they say

 

 

[dx100uk]

wouldn't bother with pointless letter tennis.

when did you open this account?

dx

[Americanmuscle]

Jan 2017

I entered into the monthly payment agreement with Tesco,

they then sold the debt on to Intrum in Jan of this year,

 

Intrum have been trying to get me to call them/register online with them to come to a payment arangement ever since.

[Americanmuscle]

I decided to re-send the letter I sent them at the start of April,

they received the 2nd letter (always by signed for post) on June 7 but again they have chosen to ignore it,

 

today I received a letter from their legal department stating...

 

Our collections team has passed your account to us because you haven't agreed a way to pay the money you owe us.

We're now in charge of getting a County Court Judgement issued against you, to demand you pay the money back.

 

Get in touch within 10 days or we'll pass your account to our solicitors, they'll write explaining what you owe and giving you one last chance to pay. If you don't pay, they may apply for a CCJ.

 

The court could demand that you also pay the solicitors costs and court fees, which we'll add to the balance you owe us.

 

Nice that they choose to ignore my letters, I wonder what their excuse will be should they decide to take me to court to obtain a CCJ?!

[dx100uk]

told you not enter silly letter tennis

and you wasted signed for costs too

simple use free POP from any po desk and a 2nd class  stamp

 

send them a CCA request

[Bazooka Boo]

They will be unlikely to take you to court, they're simply yanking your chain because you keep writing to them. They know you're scared.

 

As above send them a CCA request, if you're going to send them anything at least make it a legal request for a document.

 

Otherwise simply ignore them, unless you're confident then keep baiting them.

 

And the likelihood of these clowns obtaining a CCJ is even more remote, especially as you're already paying them.