Intrum Debt purchase company

dew301261

Hello, everyone, I had a debt with a Tesco Credit Card that was defaulted in 2011. This debt was bought by Intrum early this year & they sent me a letter telling me that they were reopening this debt on my credit file. I submitted a request for credit agreement under sec 78 of the CCA, after about 2 months I received an acknowledge letter & was informed that they were obtaining the agreement from Tesco but that this would take some time. So, 5 months later they send me a copy of an agreement template like the one you would have signed but not the original. They say 'true copy' does not have to be the exact contract I signed? They have 'repopulated' a template from records held & say that this fulfils their obligation under sec. 78 CCA, is this correct & legally binding? Any help much appreciated, thank you.

sourcrates

In a nutshell.......yes it is compliant with the above act.
It does not have to be the original signed piece of paper, a reconstituted version is just fine, as long as it contains all the details it should do, and it is legible, then that is perfectly acceptable.

D_M_E

Defaulted in 2011 - when was the last payment made to the account?

If the last payment was made in 2011 then it is likely to be statute barred in 2017/18.

You need to check this and if this is the case, you have a strong defence should they try their luck in court.