CCA check

[Still Waving]

"which may result in them being instructed to issue a claim"

Also court proceedings and judgment being entered don't go together like a horse and carriage.

Designed to worry you. I would file and wait to see what LA send.

[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 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.

Hi all just a quick update I had a letter through today from Intrum themselves headed the legal department saying "We have engaged the services of Lester Aldridge and have transferred your account to them. Our instructors to them are to pursue the outstanding debt on our behalf, which may result in them being instructed to issue a claim against you in the county court to obtain a CCJ against you. Should you wish to avoid the possibility of court proceedings and judgement being entered please contact us on xxxxxx to discuss payment options based on your current financial situation"

I guess this is just standard carefully worded scare tactics again?

[dmdm85]

I'm not sure whether The Tech Clerk was referring more to your offer to post up all the accompanying pages to that letter.


However, I think you should now edit post #239 to delete the attachment, as the card account number is shown at the bottom of the letter.

Thank you for the heads up

[Still Waving]

Apologies for this I was just trying to make sure I had given all of the details from the letter I received.

I'm not sure whether The Tech Clerk was referring more to your offer to post up all the accompanying pages to that letter.


However, I think you should now edit post #239 to delete the attachment, as the card account number is shown at the bottom of the letter.

[dmdm85]

no need to post up paperwork on here unless requested

Apologies for this I was just trying to make sure I had given all of the details from the letter I received.

[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 dated 26th September stating that they intend to take legal action against me.

Update to include letter received from Intrums solicitors.

[dmdm85]

It was just a brief discussion I am going to speak to them tomorrow or Tuesday.

[The Tech Clerk]

Hi all is Colin from JC solicitors? I have spoken to somebody from there called Gerry on Friday.

yes,

what happened,?

have a diary on here?

[dmdm85]

Hi all is Colin from JC solicitors? I have spoken to somebody from there called Gerry on Friday.

[The Tech Clerk]

no need to post up paperwork on here unless requested

[Roger]

Now the SAR is all that Tesco have! When the debt was brought NO documentation would have been provided just the Debt!
So Intrum don't have any details of documents!

"..
SAR received from Tesco bank Fri 27th May.
CCA received in SAR sent to Niddy who has again confirmed it looks to be unenforceable.
Update to confirm CCA looks to be unenforceable
.."

Talk to Colin G Quinn
Tactically filling in that document won't stop their suing!
So you are already in a better place than they are!
Phone Colin first interview is free!!

[Sparkles]

Ok sorry I am just in a bit if a panic. Niddy has already said the CCA for this account looks unenforceable.

Remember that they want you to be in a panic to try and get you to do things without thinking about it. Wait for Colin to advise before you do anything.

[The Tech Clerk]

you already have a copy CCA, sit tight and wait for @colin

[The Tech Clerk]

They are trying to unsettle you, and probably try to frighten you with a N1 court form well when / if they do you \re in the right place, they are chancers try to force you to give (unenforceable to pay) dirty trade.

[Still Waving]

Solicitor's letter is dated 26/9, so you have plenty of time to get some advice here on how to respond. Do not do something in panic mode!