CCA check

[The Tech Clerk]

Allowed to insert from both companies in one envelope.

[dmdm85]

OK so I think this is an updated diary sorry not really sure if I have done this correctly. I have had another letter from intrum today confirming they have also purchased my credit card debt. Although I have heard nothing directly from tesco bank yet there was a tesco headed letter inside both intrum letters stating they had sold the debt on. I am assuming I will get a confirmation letter direct from tesco bank confirming that intrum have purchased this as surely anybody can make up a headed letter and send it to somebody.

[dmdm85]

MBNA credit card still with MBNA
Opened online 2016
Last full payment September 2018
Regular £10 monthly payments until now
No CCA request has been sent
Remaining balance £4900

[dmdm85]

Barclaycard credit card account now with PRA
Opened online 2011
Last full payment made September 2018
No payments made for 11 months
No contact from PRA other than the odd email asking me to pay something.
CCA request previously sent and advised unenforceable
Remaining Balance £13,000
March 2022 letter from PRA to state Moorcroft will be chasing the debt.

[dmdm85]

Tesco Bank Credit card purchased by Intrum UK finance limited Jan 2022
opened online 2004
Last full payment date September 2018
No payments made for the last 11 months
Remaining balance £10,000
CCA request previously sent to tesco bank thought to be unenforceable SAR sent to Tesco Bank 15th April
Letters indicating they will take court action. Latest letters offering a discount to settle without court action. Letter received 06/05/22 dated 28th April to say they are getting ready for legal action.
Another letter received dated 09/05/2022 from the legal department stating they are in charge of getting a CCJ against me. The letter says if I do not get in touch by 19/05/2022 their solicitors will apply for a CCJ.
SAR received from Tesco bank Fri 27th May.
CCA received in SAR sent to Niddy who has again confirmed it looks to be unenforceable.
Letter received from Intrums solicitors Lester Aldridge dated 26th September stating that they intend to take legal action against me.
Letter received from Intrum today 4th October to state they have passed my account on to Lester Aldridge to pursue.
Letter received on 12th November 2022 from Intrum legal department saying they have reviewed my account and decided not to issue litigation proceedings at this time and will pass it back on to the collections department.
Letter received today 14th April from intrum to say they are getting resolveacall to visit my home along with another letter offering 80% discount to settle.

[dmdm85]

Tesco Bank Personal loan brought by Intrum UK finance limited in Jan 2022
Opened online June 2017 original amount £24,500
Last full payment date September 2018
Regular £43 monthly payments from Feb 2021 to Nov 2021.
Remaining balance £21,000 (sorry balance was wrong in the original diary).
No CCA request sent on this SAR sent to Tesco Bank 15th April
Letters indicating they will take court action. Latest letters offering a discount to settle without court action.
SAR received from Tesco bank Fri 27th May CCA received in SAR sent to Niddy who has confirmed looks enforceable.

[Still Waving]

Hi

I think it would help everyone who is trying to help you, if you would bring forward an updated diary entry for each account as developments occur.

Your start point was:-

Tesco Bank Personal loan still with Tesco bank.
Opened 2017
Last full payment date September 2018
Regular £125 monthly payments up until now
Remaining balance £19500

If you add to this each letter received/sent and any other comment or action taken, with dates, we then have the history at a glance, and don't have to spend time trawling back through (at present 5) pages to get the full picture before giving advice. You can copy and paste a precis version (as long as it contains all the pertinent info) into new posts whenever you need to.

This saves time for everyone, and makes for a more efficient process.

[The Tech Clerk]

only send cca if advised later,

[dmdm85]

Hi Roger, yes it was a straightforward unsecured personal loan and yes pretty sure tesco did send a default notice. I have never sent a CCA request for this as it was such a recent loan taken out online.

[Roger]

OK so I have now had a letter from intrum saying they have brought my personal loan from tesco bank but nothing yet on the credit card. The loan was taken out in 2016 and is for a large sum of money so pretty sure it is enforceable. I have been in a payment plan for this with tesco which I have kept up with so was a bit suprised it was sold on. Intrum have said I can continue with my current plan and pay them. Should I do anything else or just pay them the agreed amount I had set up with tesco? Thanks all.

Stop the payments!
Wait and see what Intrum now do!

Now was this tesco loan an unsecured Loan?
Was it a consolidated Loan from previous Debts?
Did Tesco issue a Default Notice?

This background detail becomes important to build up a Debt entry Diary!
Good diaries make for good decisions

[dmdm85]

OK so I have now had a letter from intrum saying they have brought my personal loan from tesco bank but nothing yet on the credit card. The loan was taken out in 2016 and is for a large sum of money so pretty sure it is enforceable. I have been in a payment plan for this with tesco which I have kept up with so was a bit suprised it was sold on. Intrum have said I can continue with my current plan and pay them. Should I do anything else or just pay them the agreed amount I had set up with tesco? Thanks all.

[Still Waving]

Thanks for the reply. I will sit tight for now and post on their next move. I am a little confused about the 6 year statute barred process. If they do contact me and I write back insisting I only want to be contacted in writing not by phone etc does this reset the time frame or would it only reset if I was to make a payment. Thanks all.

If you just delete any emails/texts without responding, they will eventually get the message that it isn't working (no need to tell them). If you do happen to pick up a phone call from them, hang up straight away - don't answer any security questions or engage with them in any way. It may feel rude to just hang up, but they are thick skinned, so you won't hurt their feelings. If you start discussing the debt, you will likely be admitting it. Also if you do voluntarily write to them, you could inadvertently admit the debt, and so reset the 6-year clock. Don't do it.

[The Tech Clerk]

no contact between you and them (they rarely stop letters etc), (part of a come on mention debt)

[dmdm85]

Thanks for the reply. I will sit tight for now and post on their next move. I am a little confused about the 6 year statute barred process. If they do contact me and I write back insisting I only want to be contacted in writing not by phone etc does this reset the time frame or would it only reset if I was to make a payment. Thanks all.

[Still Waving]

Hi

Do nothing, and don't be rushing to send a CCA request when they do contact you. Let the forum know what they say, and be guided by the forum responses.