Intrum are taking me to court and I could do with help breaking this down

WhenIam64

As a defence to get you past the default CCJ position, it will do the job but you should note that there is no denial of the debt, just that it is not owed to Intrum.

The second issue is that you have admitted to paying Intrum in another guise so it might be argues you've acknowledged the debt is theirs by performance. The counter is that you argue Intrum/1st Credit were merely acting as debt collectors and not the principal.

If you are going to accept there is a debt, what decision do you want from the judge?

For example, you might want to follow up on the assignment issue by challenging Intrum's standing as Claimant as you recognise a debt to Lloyds only. Roll out the Intrum as debt collector argument.

Then you follow up with, if there is a debt to Lloyds, then the amount payable would be far less than being claimed by Intrum, as the amount has been padded with charges that are not due as your contract** was with Lloyds and not Intrum.

** What additional costs have Intrum added on over and above the amount you actually borrowed. Typically interest and charges over and above the borrowed amount are where they make the killing.

Mikeyg123

Thanks for the information.

I will write in my defence that there is no denial of the debt, just that it is not owed to Intrum.

I made several payments to 1st Credit so I will also note that counter is that Intrum/1st Credit were merely acting as debt collectors and not the principal. Is that right?

I will follow up on the assignment issue by challenging Intrum's standing as Claimant as you recognise the debt to Lloyds only.

Are there any other points I can include to back up the Intrum as debt collector argument?

Regarding your question, about the additional costs - it's only £29.85 which is interest. Shall I still include the argument that the amount payable would be far less than being claimed by Intrum, as the amount has been padded with charges that are not due as your contract was with Lloyds and not Intrum.

Just something I realised - my credit card was initially for £1000 and increased to £1500. Intrum have only provided the agreement for the £1000 but not the increase of £1500. Will it help to include this as well?