Advice for debt

HOUSER2280

Thank you, it's already been rejected by an investigator and the ombudsman so looks like that's not an option.

Any other ideas from anybody?

Rob5342

Have you made a CCA request? 

NeverendingDMP

Don't know what stage you are up to with cca requests etc but seen as it's with intrum I thought id share that I settled an account of about 10.5k for about 3.5k with them about 18months-2 years ago. Think I got lucky and must have caught them on a day they were looking for a quick buck. My DH has a debt with them to but his offers have only been for 10% off so far so we have left it to run for now.

HOUSER2280

Hi Both,

I have been down the CCA route and they did come back to me with the details so can't take that any further.  

I did email a number of their senior management to see if anything can be done.  They have offered to reduce the outstanding amount by £3k 😕.  Doesn't really make much difference.  Not sure if they are suggesting below if I go down the illness route.  I'm not ill and never mentioned I'm ill to them but if I was would they check if I can provide them details?  Below is part of the reply from them

Dear Mr xxxxxx,

 

Thank you for your emails received on the 10/01/2025 and the 15/01/2025. We appreciate your patience as our team worked through your query. We are getting in touch after carefully considering the next step.

We note you mentioned in your email that you have contacted us previously by email and have not received a response. Upon review, we note that the last email we received from you aside from the 10th and 15th of this month, was on the 24/04/2023. Please could you confirm which email address you have been corresponding with and also the dates of the correspondence which you haven’t received any reply to?

We also note from your emails that you believe you have paid off more than sufficient of the balance, based on the purchase price of the debt. Please note, the purchase price does not affect your liability for the full outstanding balance. 

We appreciate you may be experiencing financial difficulty; however, we are unable to write off the full remaining balance.

In the event you are dealing with any health concerns, we would kindly request you provide us with further information alongside the any supporting documentation so that we can ensure we handle your account in the most appropriate manner.

Please note we will make a note on our system with the information that you kindly provide. This is to enable us to consider your current situation when looking at how best to assist you in resolving this matter.

We need to make you aware that we may share your information with the original creditor, however, this is only done if it is appropriate to do so. Should you wish for the information regarding your health to be removed at any point, we are able to do so but we will continue to assist you.

Should the above be applicable to you, we are happy to review your write off request following receipt of the requested information.

Whilst the balance does remain outstanding, we would like to assure you that we are here to help and support you as best as we can to ensure a fair outcome is reached.

We can confirm we are able to offer you a partial settlement of £30,305.67 provided that payment is received by the 15/02/2025.

If you clear your account by way of partial settlement, you will not be pursued for any remainder of the balance by Intrum or any other third party.

RAS

@HOUSER2280 Please can you remove your personal name from that letter. Breaks Forum rules on anonymity. Ta.

HOUSER2280

Apologies I have updated 

HOUSER2280

Soooo, the most bizarre thing happened today.  Rather than emailing Intrum customer service I've been emailed Intrum senior managers direct mainly their CEO and other top management I can find online.  Yesterday they offered me a settlement of £30305 which was basically a 90% settlement offer from the full amount.  Following the email above I responded and said my anxiety levels are through the roof and it's been an awful time the last 8 years slowly paying it back without really making a dent in it.

They have come back to me today with a settlement offer of £3000!  I couldn't believe what I was reading.  It's all on an email so is this all legitimate?  Should I push my luck and ask for a complete write off or bits their hand off?

RAS

What can you afford? I'd be inclined to offer half what they want if you can afford it and be prepare to adjust slightly if you have family you can tap.

HOUSER2280

So are you saying even though they have dropped from £33k to £3k offer them £1500?

RAS

Give it a try and be prepared to negotiate upwards, if you can find family to support your increased offer?