Intrum justitia

wellmade2040

So I left the country for a while back in match and I've only come back now , forgetting all about a bill I owed little woods , I've returned to Ireland about a week ago , and gave got a call from these justitia crowd followed my a letter which I have to say the language was quite threatening snd agressive lol , and there looking for the entire sum off me by Monday , now it's only 150 Euro but I don't have 150 Euro by Monday , have yet to go back to work since returning home , so I've emailed them about a plan where I can pay weekly over 30 days or something , anyone know what my chances of getting that to work are ?
Bearing in mind I only owe the money 6 months I felt it was a little soon to be involving debt collection companies lol

Cheers

Lux23

Offer to pay over 30 days, they will most likely accept that.

CeilingFly

Don't worry - call them. Tell them it was an oversight because you were away, tell them it will be cleared by mid spetember.

Usually with the right tone and talking to a real person, its all fine.

The letters are fairly standard and there to frighten the cohort of people who try and scam these companies.

Usually they pass non paying debts over after 3 months too.

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CeilingFly

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Yes they have. It's in their terms and conditions and also they state that they are acting on behalf of littlewoods.

It's incorrect information such as yours that causes headaches further down the road for people when a phonecall will sort it out to everyone's satisfaction within minutes

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CeilingFly

Read littlewoods t&cs. The debt is owed, they can use a third party to collect.

Fairly standard in credit t&cs

RasTa

Nothing mentioned nor would it be about Littlewoods selling their debt on their t&c's

brightspark

RasTa wrote: »

Nothing mentioned nor would it be about Littlewoods selling their debt on their t&c's

I suggest you read it again.


https://www.littlewoodsireland.ie/content/slots/privacy-terms.page#credit

Warning
Missing payments may mean your account is passed to a debt collection agency and may result in legal action being taken. We may also give details to credit reference agencies, you may find it harder to obtain credit in future.


OP just contact Littlewoods or Intrum and discuss it with them.

brightspark

@OP

From the same webpage.

13. Problems with Repayments and Complaints.
If at any time you have problems keeping up with your repayments or are worried you might have a problem keeping up with your repayments then

(1) Contact our Collections Team on 01 811 2222; they will help you work out a payment plan to suit your situation.

RasTa

brightspark wrote: »

I suggest you read it again.


https://www.littlewoodsireland.ie/content/slots/privacy-terms.page#credit

Warning
Missing payments may mean your account is passed to a debt collection agency and may result in legal action being taken. We may also give details to credit reference agencies, you may find it harder to obtain credit in future.


OP just contact Littlewoods or Intrum and discuss it with them.

It says your details are passed on and nothing about the debt being sold so if not, IJ have no legal standpoint.

brightspark

RasTa wrote: »

It says your details are passed on and nothing about the debt being sold so if not, IJ have no legal standpoint.

Read it again, it says "your account" not "your details"

RasTa

brightspark wrote: »

Read it again, it says "your account" not "your details"

Yeah, IJ could be acting on behalf of littlewoods. This is what we need to find out and the t&c's don't state this.

brightspark

The OP accepts that the money is owed, they should simply offer a payment plan and stick to it.

Incidentally they should have notified Littlewoods about change of address etc (it's in the conditions). Had they done so, this would probably never have got to the current situation.

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CeilingFly

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Bull, complete and utter bull.

Ij can, on instructions from their client (littlewoods as per littlewoods terms and conditions) act as a collecting agent and if necessary, again on instructions of their client, initiate legal action on behalf of their client.

The client's name will be on any legal paperwork, but ij may act on behalf of littlewoods.

Its called outsourcing.

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brightspark

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Why don't you point to the law prohibiting third party debt collection agencies?

http://www.irishstatutebook.ie/eli/1995/act/24/section/40/enacted/en/html#sec40

40.—Where a creditor's or owner's rights under an agreement are assigned to a third person, the consumer shall be entitled to plead against that third person any defence which was available to him against the original creditor including set-off.

That seems to acknowledge that debts can be transferred? With the proviso that the consumer isn't adversely affected.

What legislation can you quote to prove otherwise?

my3cents

brightspark wrote: »

Why don't you point to the law prohibiting third party debt collection agencies?

http://www.irishstatutebook.ie/eli/1995/act/24/section/40/enacted/en/html#sec40



That seems to acknowledge that debts can be transferred? With the proviso that the consumer isn't adversely affected.

What legislation can you quote to prove otherwise?

But in that case the debt collection agency has to have all the details of the original debt and can't make a case without it.

When challenged the debt collection agencies don't have the full details of the original debt.

ytpe2r5bxkn0c1

my3cents wrote: »

But in that case the debt collection agency has to have all the details of the original debt and can't make a case without it.

When challenged the debt collection agencies don't have the full details of the original debt.

The legislation allows assigning of rights to the third party for the purpose of pursuit of a debt. The agency thus can chase the debt but not own it.

my3cents

Drake Victorious Planetarium wrote: »

The legislation allows assigning of rights to the third party for the purpose of pursuit of a debt. The agency thus can chase the debt but not own it.

But to do that they need the full particulars which they don't have.

If I was to challenge a case brought against me on a detail say that I hadn't paid because of a dispute then how can the debt collection agency pursue the case if they don't have the full file?

Edit> In case we are at cross purposes the agency can chase the debt all they like but without the full details of the debt they aren't in a good position to take you to court and they know that.

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brightspark

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As you say they can ask, and if payment isn't made then possibly advise Littlewoods to escalate further, which may result in additional costs to the OP.

Perhaps that was why payment needed to be made by Monday, Littlewoods APR is about 40%.

For €150 there is no point in going to court, but if the debt increases it would eventually become worthwhile.

I fail to understand why some here seem to be almost advising the OP not to pay anything. As if the debt will just disappear?

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Fred Swanson

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Grab All Association

Also they have no write access to the ICB. I know the Central Bank is setting up a new database and whether SD/Littlewoods will have access to that I don't know but it was never in the t&c the OP signed up for.

brightspark

Grab All Association wrote: »

Also they have no write access to the ICB. I know the Central Bank is setting up a new database and whether SD/Littlewoods will have access to that I don't know but it was never in the t&c the OP signed up for.

Read them again

Warning
Missing payments may mean your account is passed to a debt collection agency and may result in legal action being taken. We may also give details to credit reference agencies, you may find it harder to obtain credit in future.

Fred Swanson

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brightspark

Fred Swanson wrote: »

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True, but it's not the only agency

Fred Swanson

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piplip87

Having worked for them, littlewoods settlement is a 20% write off.

IJ do not take you court it is entirely upto the client if legal action is to commence.

The majority of those you get on the phone are decent people who will accommodate you and your circumstances.

If you agree to a payment plan stick to it. You will only hear back from them every few months for a review

If you get a nice person the first time round, take that person's name and deal only with them.

I see a lot of misinformation here (not on this post, but on other posts).

asteroids over berlin

they specialise in bully boy tactics. Stand firm! Don't deal with them at all.

Fred Swanson

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