Tesco Credit Card

[cymruambyth]

Tesco never sent an agreement, though the different companies have sent the same application form.

[nightwatch]

My Tesco CCA was the same , a signed application and some T&C's, sent missing T&C letter, they said I had received everything they held and that, the T&C from inception,are the same as the one's on the reverse of the application, it was blank. has been passed about a bit, but they all send differing T&C to the ones I got from Tesco,

[cymruambyth]

Hi Di, no their response was relating to the T&Cs that were deemed UE - an application form and a separate leaflet of undated T&Cs.

[Joanna Connolly Solicitors]

I haven’t been in contact since September 2018 when I sent them the missing t&c letter. They told me that they had supplied date of DN, the CCA, a copy of T&Cs for the CCA, NOA and annual statements

It seems that your letter telling them that the Ts & Cs were missing may have prompted them to produce the Ts & Cs.

Was that the only reason (missing Ts & Cs) which caused the credit agreement to be deemed unenforceable or was there another reason if Lowells do go ahead with their threat to issue legal proceedings?

Di

[cymruambyth]

Have you received a Letter of Claim from Lowell Solicitors?

Di

Not yet! Just a letter to say that I should pay up or they will start legal proceedings.

I haven’t been in contact since September 2018 when I sent them the missing t&c letter. They told me that they had supplied date of DN, the CCA, a copy of T&Cs for the CCA, NOA and annual statements; they stated that they wouldn’t reply to matters previously addressed unless new information was supplied.

[Joanna Connolly Solicitors]

Lowell Solicitors have sent a notice of acting and are going to instigate legal proceedings unless we pay up

Have you received a Letter of Claim from Lowell Solicitors?

Di

[nightwatch]

oh dear what a pity (for them) x

[cymruambyth]

Oh dear, Lowell Solicitors have sent a notice of acting and are going to instigate legal proceedings unless we pay up, but it’s UE!

[nightwatch]

Well they gave you two options
do you have any questions? = no

have they answered your query? = no
so you do not need to contact them

Sorted

[cymruambyth]

Another missive - they haven’t heard back from us and if we have any questions, please contact them - maybe not.

If they have answered our query, please contact them to pay - another no!

[Still Waving]

I have received a CCA which according to Niddy is UE. After a further letter threatening legal action, I sent a missing t&c letter. They have now replied stating that they have supplied date of default, NOA, copy of original agreement, t&c of the agreement and account statements, I have a couple of weeks to contact them to pay or will consider legal action. They will not reply to matters previously addressed unless new information is provided.
SB is not an option yet.

I never took any notice of that sort of line if I wanted to continue to push back. It's not like they would drop it if the shoe were on the other foot.

[The Tech Clerk]

PS they are still working on my complaint about their Field Rep. They must be very busy. xxx Ah! looking for the corn circles no doubt!!!

[nightwatch]

They sent me a threat of legal action, I sent UE no true CCA received, they sent me a pile of statements and some terms which had at the bottom 9904, now when I went through all the T&Cs that had been sent in the past I worked out that they were SEPTEMBER 2004 and not for 1999 when I took out the card,
I have never had the original T&Cs. RW did tell me that the account was enforceable in line with the T&Cs that would of been on the reverse of the Agreement.
Pity the reverse was BLANK,
So I decided to ignore and see what came next
that was the letter saying they were going to send a field agent to help me "reconnect"

You know what happened next. xx

PS they are still working on my complaint about their Field Rep. They must be very busy. xxx

[The Tech Clerk]

Diana Mayhew

[cymruambyth]

I have received a CCA which according to Niddy is UE. After a further letter threatening legal action, I sent a missing t&c letter. They have now replied stating that they have supplied date of default, NOA, copy of original agreement, t&c of the agreement and account statements, I have a couple of weeks to contact them to pay or will consider legal action. They will not reply to matters previously addressed unless new information is provided.
SB is not an option yet.