CCA check

[dmdm85]

Hi all just a quick update. I have not paid anything or spoke to anyone referring my tesco credit card debt or the account from PRA since my last post. Yesterday and this morning I had a notification that my credit report had been searched by intrum uk. Is this normal for them to search 2 days in a row? I suspect that they may have purchased the tesco credit card debt. Do I need to do anything about this or just sit and wait? I assume I would send them a CCA request if they get in touch first? Many Thanks.

[PlanB]

it makes things so much easier having supportive people like yourselves. There's been times when I think it would just be easier to set up a small payment plan so they leave me alone but I have taken the advice on here so far and just ignored this tesco debt and my PRA one. Thanks guys.

That's the whole point of this forum - it's peer support

If you ever feel overwhelmed by it all then post on your thread for help from members who have 'been there done that' including me who has defeated four county court claims and a statutory demand (the precursor to bankruptcy)!

Everyone sharing their personal experiences can help you to decide what will work for you.

Di

[Warwick65]

Thanks for all the replys it makes things so much easier having supportive people like yourselves. There's been times when I think it would just be easier to set up a small payment plan so they leave me alone but I have taken the advice on here so far and just ignored this tesco debt and my PRA one. I will hold off sending anything to tesco for now and ignore zinc. Thanks guys.

Indeed, sometimes it does seem easier to just make a payment however if you do that the cycle never ends. The goal is to get to statute barred status (or the debt purchaser writing off your account) so you don't need to be troubled by it. I looked into bankruptcy at one point and was even advised it was a good option- so glad I didn't. Keep the faith

[dmdm85]

Thanks for all the replys it makes things so much easier having supportive people like yourselves. There's been times when I think it would just be easier to set up a small payment plan so they leave me alone but I have taken the advice on here so far and just ignored this tesco debt and my PRA one. I will hold off sending anything to tesco for now and ignore zinc. Thanks guys.

[The Tech Clerk]

Tesco Bank Credit Card Operations, PO Box 27028, Broadway One, Glasgow, G2 9FT

[Spud]

As Plan B advised, It would be unwise to send off a CCA request just yet as a kneejerk reaction. Wait and see what is suggested first. It is the usual situation to send a CCA request directly to the current legal owner of a debt which as I understand it would be Tesco.

Personally I can imagine that sending a CCA request with the £1 fee direct to Tesco ( Send in letter form and sent recorded delivery) will be the way forward as you would seek to rely upon the protections this would bring should they be unable to comply with your request. As others have suggested, The CCA request sent without the fee by email would not be valid and would not afford you the same protections. But there can be a case not to send another once one has been already been sent so just hold fire for now until Di has had opportuntity to come back to you

A day or two waiting wont make any difference

With regard to your letter from Zinc, As I understand it, It was basically an introductory letter and as such I'm not sure a reply is necessary. Would that be correct? If it is, Sometimes less is more in this game. File the letter and date the envelope from when it arrived and enjoy the peace a quiet until they send you something else

What are you struggling with? It can be a bit overwhelming at first but the forum is here to support you in all ways. I think anyone who has been on this forum for a number of years knows the full range of emotions and juggling in the early years. Let us know and we can help. One of us will no doubt have "been there"

The daftest question is the one that is never asked

[PlanB]

I have not actually sent a direct CCA to tesco bank. It was Wescot dealing with it at the time and each time I asked them for the address to send an official CCA request to I got the same response that they had twice already supplied the CCA and that I didn't need to send another one with the £1 fee. I will get on to this tomorrow and send another one direct to tesco bank. . . . I am really struggling to keep on top of it all.

Hello again

*and breathe*

No need to struggle to keep on top of things.

Let this forum help you to make sense of everything before you react by sending a CCA Request to Tesco tomorrow as a knee-jerk reaction to a letter from Zinc (a debt collection agency) at least until I've had the opportunity to take a look at the full history of this debt.

Di

[dmdm85]

Hi thank you both for your reply. Ok so I have looked back through all correspondence and turns out I have not actually sent a direct CCA to tesco bank. It was Wescot dealing with it at the time and each time I asked them for the address to send an official CCA request to I got the same response that they had twice already supplied the CCA and that I didn't need to send another one with the £1 fee. I will get on to this tomorrow and send another one direct to tesco bank. Does anybody happen to have the address I would send this to please? Also should I notify Zinc that this is what I am doing or still ignore them for now? Thanks again and sorry for the confusion, I am really struggling to keep on top of it all.

[Warwick65]

The only experience I have had with the zinc group was hardly difficult but that was a good few years ago. At the time they were very low level debts such as pay day loans

[PlanB]

The Tesco debt has now been passed on to a company called Zinc to chase. Tesco have not sold it on

Hello

Can you just remind me of the history of this debt (apologies for not reading back through your whole thread tonight).

I can see that you sent a CCA Request to Tesco by email without the £1 statutory fee so not valid, but I'm unsure whether you sent another one by post including the £1 fee (apologies again since I know we spoke at the end of last year).

Zinc's letter doesn't sound threatening so ignoring may well be the way forward, but I thought I should check before I make any suggestions.

Di

[dmdm85]

Hi all just another quick update. The Tesco debt has now been passed on to a company called Zinc to chase. Tesco have not sold it on I guess Zinc are just doing the same as Wescot and Moorcroft? I had a letter through from Zinc today to say "they have been asked by their client to assist me with the resolution of my account". I assume I just do the same and ignore this still? Thanks all.

[Joanna Connolly Solicitors]

Hi Di,
Recieved a letter from Moorcroft they have put the account on hold until 4th February so will find out what there next move is after that I guess.

My guess is Moorcroft will pass it back to Tesco just like Westcot did.

Hopefully Tesco will then assign it to a debt purchaser, ideally one that doesn’t have FCA authorisation to issue legal proceedings.

Update when you next hear anything.

Di

[dmdm85]

What’s the current situation with this Tesco debt?

Di

Hi Di,
Recieved a letter from Moorcroft they have put the account on hold until 4th February so will find out what there next move is after that I guess.

[Joanna Connolly Solicitors]

Di took a look and says there should be more paperwork. Should I still send it in to the checking email address on here or do I not need to if Di has already taken a look at it?

What’s the current situation with this Tesco debt?

Di

[nightwatch]

I’m guessing they move because these forms only get paid on results so if you don’t pay they don’t earn. They then send it back to the original creditor who ask another firm to try.

As you have sent a cca request and they have not fully complied, for now sit on your hands and do nothing however hard that is. I know from experience the temptation to fight but in this case, less is often more ( I think that might be one of Di’s pearls).

It is indeed a pearl, think it is in the right ear