Intrum Letter before Action

[user1979]

Hi,

Hope someone can offer some advice.

Back in 2015 I received some letters from First Credit regarding an alleged debt they had purchased from HSBC, I was not aware of the debt so asked them to provide some details/proof of debt, I never heard anything further.

Fast forward to a couple of weeks ago and I get a letter before action in the post from a solicitors firm regarding the same debt so I sent the form back requesting the documents advised on this site and referencing my previous request from back in 2015.

Today I receive a replay back that the account they are claiming on is in fact made up of two separate overdrafts with HSBC and all they have supplied is some statement print outs from the mentioned accounts and have advised that they don't need to provide any other documents or proof as it's not covered by the CCA.

The accounts seem to date from 2004 and appear to have defaulted in 2013 .

What can I do next, can they really take me to court and win with nothing but these computer print outs as they claim?

Thanks for any help.

[charitynjw]

The accounts seem to date from 2004 and appear to have defaulted in 2013 .

Thanks for any help.

Hi

This means that the alleged debt(s) could be close to being statute barred.
You need to pinpoint the actual 'cause of action' (see links for an explanation).

Whether or not the computer printouts are sufficient evidence would be a matter for the courts to decide (if it get to that stage).

SAR (Subject Access Request) the original creditor (HSBC) for all information they hold for the account(s).

If it were me I'd write to the solicitors saying that HSBC has been contacted requesting further & better info, necessary to deal with this.
Do not acknowledge that you owe the money.....just that you need further info.
But the longer you can 'long them out', the closer you move towards that cause of action for SB.

https://legalbeagles.info/library/guides_and_letters/court/subject-access-request/

[charitynjw]

[charitynjw]