In reply to Steve.
What sort of debt was this? Who was the lender?
Some creditors don’t care about the £1 payment. It’s always best to make the request by letter and send the money just in case, but yours may be ok.
The debt is unenforceable if you don’t get a copy of the agreement within 12 working days of asking – the creditor can’t enforce the debt in court until they do send a true copy to you.
Did Intrum say something like
“we acknowledge the 12 day time limit to provide this information but as we have to request the details from the original lender we anticipate that we will not be able to provide this within 12 days but hope that within 40 days we will have retrieved the information to comply with your request.” ?
