CCA check

[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.

[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]

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]

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]

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.

[The Tech Clerk]

Allowed to insert from both companies in one envelope.

[dmdm85]

Hi all I have been worrying myself a bit over the last few days with this intrum situation. I am taking the advice and staying silent but I do find myself losing a lot of sleep over this. With the amount of money involved and the loan being reent I am constantly thinking they will soon start to take court action and try to obtain a charging order on my home. I may have scared myself by reading up things on the Internet but I don't really fully understand the steps and processes involved. I know ot sounds silly but I am just looking for reassurance that I am doing the right thing by doing absolutely nothing at this stage. Thanks again to everyone for all the advice.

[Ballister]

Hi - I am currently dealing with Intrum re a previous Tesco debt. I spoke to Joanna Connelly solicitors the other day for some free initial advice. This has calmed my nerves somewhat after receiving a letter before claim from Intrum. You could try doing the same if that will help you

[Still Waving]

Hi all I have been worrying myself a bit over the last few days with this intrum situation. I am taking the advice and staying silent but I do find myself losing a lot of sleep over this. With the amount of money involved and the loan being reent I am constantly thinking they will soon start to take court action and try to obtain a charging order on my home. I may have scared myself by reading up things on the Internet but I don't really fully understand the steps and processes involved. I know ot sounds silly but I am just looking for reassurance that I am doing the right thing by doing absolutely nothing at this stage. Thanks again to everyone for all the advice.

Hi

So you have had letters from Intrum advising that they have purchased the two Tesco debts. Were these just advisory letters, or have they made any demands or threats? If they were just advisory, file them and do nothing. If otherwise, let us know what they are saying. We can't suggest what you do about any letter unless you give us the gist of what they say.

There are lots of steps before you get to court action, if ever, so do not worry yourself. If push comes to shove, you will always have the option to agree a repayment schedule.

[dmdm85]

Hi thanks for the replys guys. The letters are just to advise me they have taken over ownership and to contact them to set up a plan. I just have a bad feeling about the action they are going to take.

[Still Waving]

Hi thanks for the replys guys. The letters are just to advise me they have taken over ownership and to contact them to set up a plan. I just have a bad feeling about the action they are going to take.

To quote from Desiderata:

Nurture strength of spirit to shield you in sudden misfortune. But do not distress yourself with dark imaginings. Many fears are born of fatigue and loneliness.

[Still Waving]

Hi - I am currently dealing with Intrum re a previous Tesco debt. I spoke to Joanna Connelly solicitors the other day for some free initial advice. This has calmed my nerves somewhat after receiving a letter before claim from Intrum. You could try doing the same if that will help you

The OP hasn't received a letter before claim, so I think it's a bit premature to do that.

[The Tech Clerk]

await their next move. those are just assignment notices.

[Night Monkey]

I just have a bad feeling about the action they are going to take.

Which is exactly what they want you to feel, so that you'll agree to something just to feel less threatened.

Everything you've received so far has been informational rather than directly threatening. Keep the faith, do nothing at the moment and post here for advice when you receive anything else.

[The Tech Clerk]

just some tumbledown office jockey sending out press 1 then press 2 etc., unti/if they send next template sit on your hands as see what next.