Claimant does not hold any copies of the assignment document. What does this mean?

[mikeg123]

Hi all,

Intrum UK Finance has made a claim against me for an unpaid credit card debt originally took out with Lloyds bank.

I responded stating that the debt was statute barred, but they have responded with proof that it is not. I made the mistake thinking it was barred because Intrum changed their name from 1st Credit Finance at the start of 2018 and had no record of any correspondence from with Intrum up until now.

I have since sent a CCA request, and request notice of assignment and default notice and last week I received a letter from Intrum stating that they do not hold any copies of the assignment document. What does this mean and what should my next steps be?

[Amethyst]

Did they send the agreement and default notice?

[mikeg123]

No they did not

[Amethyst]

Have they said they're asking the original creditor for it?


Good idea to get out in front of any impending court action by sending SAR to the original creditor ( Lloyds ) - Subject Access Request Letter

[mikeg123]

Ok I will send a SAR to the original creditor (Lloyds ) but what shall I expect? I.e. what is the purpose of this request?

With everything else in mind, once I have sent the request what should be my next steps?