CCA Request Debt Collector

[KLFor1982]

I had a bank loan with Tesco for £15k which defaulted on 9th July 2018. I have been in a DMP with Stepchange since 2017. The debt was sold to Interum on 16th Jan 2020. I received a letter from Interum on 02/11/23 offering me a reduction of 20% off the balance if I paid them in full. Today I have written to Interum requesting a copy of the CCA agreement. My question is… Do you think that Interum have offered this reduction because they know the debt is unenforceable? Obviously the default is due to drop off my credit file next month so i would like to know where to go from here.

[echat11]

Hi KLFOR1982

Welcome to LB

It's a 'fairly' recent account, so more likely to do with, just wanting to settle some debts, they can only take so many debts to Court.

You'll have a better idea when they respond, what every they send make sure it's compliant and has all the prescribed terms..