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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.
They have included a 'reply form' for me to complete within 30 days and time is ticking. Should I fill out this form? What should my next steps be?
It was recommended to me that I send a SAR to the original creditor (Lloyds) but am not entirely sure why and what shall I expect from this request?
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.
They have included a 'reply form' for me to complete within 30 days and time is ticking. Should I fill out this form? What should my next steps be?
It was recommended to me that I send a SAR to the original creditor (Lloyds) but am not entirely sure why and what shall I expect from this request?
