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Hi all,
After some advice on what to do
I have an old personal loan that intrum now have ownership of, however have asked resolvecall to assist them as I apparently didn't make contact with intrum when I had.
Background: loan was taken with tesco for 18k in 2015. Unfortunately within two years I ended up not being able to pay and it became a defaulted. This was due to my health, divorce and job
Since then I have paid a token amount to tesco and then from 2019 debt managers who then sold it to intrum in 2022. I have only been paying a pound until my circumstances improved which it will slightly.
In 2021 I asked Debt Managers for the CCA and Tesco provided all Information around a 100 pages which was statements, terms and conditions and a copy of the signed CCA so it was looked at and was deemed enforcable.
A family member offered me 3k to see if intrum would accept it as a full and final and they declined. They wouldn't take anything less then 50 percent around 6800 which I couldn't afford.
I then wrote back explaining that i couldnt afford that and that I will continue to pay my 1 pound. The next thing resolvecall have written threatening a home visit as i haven't contacted intrum when I had. Intrum have now also written stating as I haven't contacted them resolvecall are assisting them.
I'm after some advice and was wondering if it's worth sending another cca request to intrum or resolvecall?
I'm classed as a vulnerable customer due to my health and having the threat of people coming round is making me unwell again.
I have written to them telling them this and the standard "you have no permission to visit my property " to resolvecall which has been ignored.
I can now pay a bit more around 20 a month but don't know what to do
Thanks all very much
After some advice on what to do
I have an old personal loan that intrum now have ownership of, however have asked resolvecall to assist them as I apparently didn't make contact with intrum when I had.
Background: loan was taken with tesco for 18k in 2015. Unfortunately within two years I ended up not being able to pay and it became a defaulted. This was due to my health, divorce and job
Since then I have paid a token amount to tesco and then from 2019 debt managers who then sold it to intrum in 2022. I have only been paying a pound until my circumstances improved which it will slightly.
In 2021 I asked Debt Managers for the CCA and Tesco provided all Information around a 100 pages which was statements, terms and conditions and a copy of the signed CCA so it was looked at and was deemed enforcable.
A family member offered me 3k to see if intrum would accept it as a full and final and they declined. They wouldn't take anything less then 50 percent around 6800 which I couldn't afford.
I then wrote back explaining that i couldnt afford that and that I will continue to pay my 1 pound. The next thing resolvecall have written threatening a home visit as i haven't contacted intrum when I had. Intrum have now also written stating as I haven't contacted them resolvecall are assisting them.
I'm after some advice and was wondering if it's worth sending another cca request to intrum or resolvecall?
I'm classed as a vulnerable customer due to my health and having the threat of people coming round is making me unwell again.
I have written to them telling them this and the standard "you have no permission to visit my property " to resolvecall which has been ignored.
I can now pay a bit more around 20 a month but don't know what to do
Thanks all very much
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