CCA check

[Timewilltell]

The Sar will covers all accounts so only the one to send

[Roger]

do not send CCA request at this stage await until advised on here.

The Tech Clerk SPOT ON ADVICE do not send CCA request on this Loan!

Now you can search AAD its the Top right hand of the screen for intrum!

But the SAR will give you a great deal of background and especially following your CCA request to INTRUM for the CREDIT CARD!

Good Diaries make for Good Decisions. You will find that perhaps matters are far from conclusive.

SOME HOMEWORK FOR YOU!!

A starting point would be checking exactly which Company in the Intrum group has been assigned each of your two debts!

[The Tech Clerk]

do not send CCA request at this stage await until advised on here.

[dmdm85]

Well did Tesco Know that this was intended (in part or otherwise for Debt Consolidation)?
You see there is an expression dressing a turd.
This is where perhaps UE Debts are paid off with a EN debt!

There may also be issues with Intrum

I think some homework here , for your own benefit! Might be to your advantage.
You might also send a SAR to Tesco , this will give background to both your Credit Card and this Loan!

Hi thanks for the reply. So I should send an SAR for both accounts or does one cover all? Should I also send CCA's to intrum at the is stage or continue to ignore? Also what are the issues with intrum likely to be? Sorry for all the questions here.

[Roger]

Ok so yes it was partly taken out for this reason and partly for home improvements/repairs that were needed, new boiler and some new windows etc. I can't remember off the top of my head which one of those reasons I would have stated in the application. Hope that makes sense. Thanks again for taking the time to give advice, it is very much appreciated.

Well did Tesco Know that this was intended (in part or otherwise for Debt Consolidation)?
You see there is an expression dressing a turd.
This is where perhaps UE Debts are paid off with a EN debt!

There may also be issues with Intrum

I think some homework here , for your own benefit! Might be to your advantage.
You might also send a SAR to Tesco , this will give background to both your Credit Card and this Loan!

[dmdm85]

My apologise if I have confused you.
Let me explain your
".. Tesco Bank Personal loan brought by intrum in Jan 2022
Opened online June 2017 original amount £24,500.."

£24,500 is a huge amount for an Unsecured Personal Loan under the Consumer Credit Act!
So my question is was this a consolidation Loan to pay of other then existing Debts?

Ok so yes it was partly taken out for this reason and partly for home improvements/repairs that were needed, new boiler and some new windows etc. I can't remember off the top of my head which one of those reasons I would have stated in the application. Hope that makes sense. Thanks again for taking the time to give advice, it is very much appreciated.

[Roger]

Hi Roger sorry I may have misunderstood what your saying. I'm not quite sure I understand. Sorry for the confusion.

My apologise if I have confused you.
Let me explain your
".. Tesco Bank Personal loan brought by intrum in Jan 2022
Opened online June 2017 original amount £24,500.."

£24,500 is a huge amount for an Unsecured Personal Loan under the Consumer Credit Act!
So my question is was this a consolidation Loan to pay of other then existing Debts?

[dmdm85]

Consolidated Debt isn't NEW money and it masks earlier DEBT(S) which may or may not be Enforcible. Your earlier 2004 points to a long term association and this DEBT is UNSECURED as Timewilltell
Its the background that will help here

Hi Roger sorry I may have misunderstood what your saying. I'm not quite sure I understand. Sorry for the confusion.

[Roger]

Consolidated Debt isn't NEW money and it masks earlier DEBT(S) which may or may not be Enforcible. Your earlier 2004 points to a long term association and this DEBT is UNSECURED as Timewilltell
Its the background that will help here

[Timewilltell]

It’s not necessarily the amount that gets court action but what they can prove legitimately, which may be minimal. Unless of course you just roll over and accept the spanking like many do under the guise of fear.

[Roger]

Hi yes you are correct. The loan was from 2017 and the CC was originally opened in 2004. My feeling is that being for such a large amount they will almost certainly follow with legal action especially for the loan with it being so recent.

Yes the Loan was a Consolidation Debt and Tesco knew this?
Because it wasn't NEW monies but rather OLD Debts? But you can't presume that the OLD debts were EN can you?
Do you have a record of these prior DEBTS?

[dmdm85]

Diary entries really help at times
Look
"..
Tesco Bank Personal loan brought by intrum in Jan 2022
Opened online June 2017 original amount £24,500
Last full payment date September 2018
Regular £43 monthly payments from Feb 2021
Remaining balance £21,000 (sorry balance was wrong in the original diary).
No CCA request sent on this"
.."

This is a massive unsecured Personal Loan isn't it? Your Credit Card is dated 2004!!
Which makes me question as to whether this was a Loan to consolidate existing and other debts!
Was this the Case?

Hi yes you are correct. The loan was from 2017 and the CC was originally opened in 2004. My feeling is that being for such a large amount they will almost certainly follow with legal action especially for the loan with it being so recent.

[Roger]

Hi I sent the CCA in to here to be checked. The loan however was pretty recent and I have not sent a CCA request for this so I would expect this is going to be enforceable.

Diary entries really help at times
Look
"..
Tesco Bank Personal loan brought by intrum in Jan 2022
Opened online June 2017 original amount £24,500
Last full payment date September 2018
Regular £43 monthly payments from Feb 2021
Remaining balance £21,000 (sorry balance was wrong in the original diary).
No CCA request sent on this"
.."

This is a massive unsecured Personal Loan isn't it? Your Credit Card is dated 2004!!
Which makes me question as to whether this was a Loan to consolidate existing and other debts!
Was this the Case?

[dmdm85]

they may this /that /other? template letter sounds of it! who says thought to be unenforceable?

Hi I sent the CCA in to here to be checked. The loan however was pretty recent and I have not sent a CCA request for this so I would expect this is going to be enforceable.

[Timewilltell]

Just ignore their blustering letters, you only need to look more seriously if they send out a letter before action, however I do believe there are certain protocols and criteria that they have to fulfil to do so. I find it useful to make a defeat folder for each debt to keep all their paper in. If you do a contents page you will soon see a pattern of behaviour from them. Then you will be empowered at their weaknesses.