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Re: Need Advice
UPDATE...
12/5/2014
Letter from Fredrickson received (14/5/14). Could you pls call our office. The a/c has been placed on hold for 10 days. Pls note that further debt recovery action may be taken if you do not contact us during this period.
Any advice on what I should send.
Originally posted by Lovemoney
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TESCO (CREDIT CARD)
STARTED: 17/6/2005
CREDIT LIMIT: £1750
CURRENT BALANCE: £1703
DEFAULT BALANCE: £1771.00 (10/07/2006)
HISTORY
20/2/2012
cca request sent
26/3/2012
received cca request returned because the letter unsigned and require signature then can proceed(letter stamp received 7/3/12). Payment arrangement plan for review request proposals for increasing the mnthly repayments. CCA request resent.
4/5/2012
CCA received emailed to Niddy. Niddy says
THANKS 
will be sending MPT letter.
4/5/2012
MPT letter sent.
30/1/2013 BALANCE: £1700.16
Letter from Tesco Bank received today (1/2/13). You must pay yr credit card balance now. You have been issued with a Termination Notice on yr Tesco Bank credit card & yr a/c has been passed to our Recoveries team. To avoid any further action, pls make a payment now.
How to pay
Debit Card - call us on XXXXXXXXXXX
Cheque - send the cheque to Credit Card Recoveries.....
Need help?
If you cannot make this payment right away, you must call us immediately on XXXXXXX.
4/2/2013
Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received) sent by recorded.
18/2/2013
Letter from Tesco Bank received today (21/2/13). You still haven't paid yr credit card balance, But it's not too late. We recently wrote to you, remninding you to repay the amount due on yr a/c. However, you still haven't made a payment or agreed a repayment plan. What hapens now? As you have not made any payments, we will consinder taking further action. This could mean passing yr a/c to an external Debt Collection Agency, who will contact you & may visit yr home to collect the debt in person. Depending onb the amnount you owe, it could also include legal action against you to get the money back. However, we would much rather agree a more satisfactory arrangement with you. Pls call us. What you need to do It's vital that you take immediated action to pay the amount owed to avoid further action. You can make yr payment by: XXXXXXXXXXXXXXXX. We prefer not to take this action, but if we do not hear from you we have no alternative. Pls contact us immediately on xxxxxxx to discuss repayment of yr debt. (refer #664 see what they do next)
28/2/2013
Letter from Tesco Bank received today (4/3/13). We are considering legal action to recover your debt Despite writing to you several times, you have still not paid off yr credit card balance or made a repayment arrangement with us. We are now considering commencing court proceedings against you to recover this debt. What this could mean A County Court Judgment could be granted against you. This is likely to affect your ability to obtain credit in the future. You may also be liable for court costs. If we obtain a judgement & you still don't pay we may ask the court to enforce the debt against you. This could mean: *A legal document being served on yr employer which forces them to regularly take an amount of money from yr wage to pay yr outstanding debt to us (this depends on the number of hrs you work) *If you are a homeowner, we may ask the court for a charging order over yr home. If we have a charging order & yr home is sold (through repossession or for any other reason), we may look to any available sale proceeds to help pay the sums you owe to us. We would prefer come to an arrangement with you to settle this debt. Pls call ua immediately on XXXXXXXXX to discuss a repayment plan. Line are open XXXXXXXXX. refer #676
6/3/2013
Resend a photocopy Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received) with a cover note saying I am concerned that you are threatening legal action when you have failed to reply re problems with the agreement you supplied, outlined in my letter of 4/2/2013, a copy of which is enclosed. By recorded.
19/3/2013
Letter from Tesco Bank received today (22/3/13) Further action to recover yr debt Due to the absence of an acceptable repayment arrangement & despite several attempts to contact you to discuss this matter, we will shortly commence further action against you to recover the debt. This is likely to mean passing yr a/c to an external Debt Collection Agency, who will contact you & may visit yr home to collect the debt in person. Depending on the amount you owe, it could also include legal action against you to get the money back. However, we would much rather agree a more satisfactory arrangement with you. Pls call us urgently. Act immediately & stop further action - make a payment now You have 1 final opportunity to make a payment. Pls act now. You can pay by: XXXXXXXXXX. What happens if you don't pay If you don't make a payment or agree to a repayment plan within 7 days, we will commence further action against you. Need help? If you need to discuss yr situation, pls call us XXXXXXXXXXX. refer #686
8/4/2013
Letter from Tesco Bank received today (10/4/13) Important-you must take action-call us today on XXXXXXXXXXXXX Despite previous correspondence & our repeated attempts to try & reach an arrangement with you regarding the above debt, it still remains outstanding. We will shortly have no alternative but to seek the assistance of a Debt Collection Agency or, if appropriate, commence legal proceedings against you for recovery of the debt. What you need to do You have one final opportunity to make an acceptable offer of repayment. You must do this within the next 7 days. Call us on XXXXXXXXXXX to pay. Lines are open XXXXXXXX. Are you in financial difficulties? Contact us immediately if, due to financial difficulties or a change in circumstances, you cannot pay the full debt within the next 7 days. There is no need to panic. Call XXXXXXXto speak to one of our experienced advisors. They will listen sympathetically & help you think about yr options. We have helped lots of people in yr situation in the past. refer #697
26/4/2013
Letter from Wescot received (29/4/13) We have been instructed by our client (Tesco Bank) to collect the outstanding balance £xxxx.xx on their behalf. Pls contact us asap as failure to do so will result in further recovery action.
30/4/2013
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded. refer #720
8/5/2013
Letter from Wescot received today (13/5/2013). We acknowledge that you have raised a query on this a/c & we would like to confirm to you how this will be investigated. WHAT WILL HAPPEN? We will suspend all collections activity on the above a/c whilst the matter is under investigation. This means that we will not write to you, or telephone ou in pursuit of the a/c whilst it is being investigated. However, we may need to contact you if we require further details or wish to clarify any information that you have provided to us. As our investigation of yr query will require us to contact our client, this process may be take several wks. We would appreciate yr patient during this time. Upon concluding our investigation, we will contact you again. WHAT CAN YOU DO? If further information to help us investigate or resolve the query can be provided, we would be grateful. If you wish to contact us to discuss the matter.
14/6/2013
Letter from Wescot received today (18/6/2013). We refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that we are awaiting further information from our client before this issue can be resolved, we will be in touch with you in due course.
04/10/2013
Letter from Wescot received today (9/10/2013). We acknowledge that you have raised a dispute on this a/c & we would like to confirm to you how this will be investigated. WHAT WILL HAPPEN? We will not make contact with you regarding collection of the outstanding balance on this a/c whilst this issue is being investigated. Pls be advised that as we will also need to contact our client, this process may take several weeks.
08/10/2013
Letter from Wescot received (11/10/2013). Having contacted our client they have advised they have no record of receiving a CCA for this a/c. We believe the dispute has now been resolved & full balance or an agreed monthly instalment is required by return. If in the event you believe you still have a valid dispute, pls contact us within 14 days otherwise yr a/c will be returned to our recovery team for collection.
09/10/2013
Letter from Wescot received (12/10/2013). Refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that yr a/c remains on hold whilst we await further information from our client, we will be in touch with you in due course.
13/3/2014
Letter from Tesco Bank received. Due to yr failure to agree or maintain repayments towards yr debt, we've decided pass to Fredrickson working on our behalf. They'll attempt to contact you within the next 10 days, to start discussing yr individual circumstances to establish an affordable & sustainable repayment arrangement with you. Refer #829̾
20/3/2014
Letter from Fredrickson received. We're instructed by Tesco Bank to collect yr a/c debt which is now seriously overdue. You've failed to pay the balance which remains outstanding & our client now requires you must contact us immediately to either pay in full or set up an affordable repayment plan depending on yr circumstances. For yr convenience we offer a variety of payment methods. This is a serious matter & you may wish to seek independent advice. It so pls tel us straight away to let us know if this is yr intention.
28/3/2014
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded. Refer #830 & #835
27/4/2014
Letter from Fredrickson received. Wrote to you recently about this a/c but have not yet received a satisfactory payment proposal from you. You need to contact us now to resolve this matter by either paying the balance outstanding or making an arrangement with us to repay the debt by instalments if yr circumstances are such that you can't pay in full. We urge you to do so without delay to prevent further debt recovery action being taken against you.For yr convenience we offer a variety of payment methods,this is a serious matter & you may wish to seek independent advice.
27/4/2014
Letter from Fredrickson received. If you require documentation under the CCA 74, you may request this directly from our client with the appropriate fee of £1. In the meantime pls contact us with yr payment proposals.
STARTED: 17/6/2005
CREDIT LIMIT: £1750
CURRENT BALANCE: £1703
DEFAULT BALANCE: £1771.00 (10/07/2006)
HISTORY
20/2/2012
cca request sent
26/3/2012
received cca request returned because the letter unsigned and require signature then can proceed(letter stamp received 7/3/12). Payment arrangement plan for review request proposals for increasing the mnthly repayments. CCA request resent.
4/5/2012
CCA received emailed to Niddy. Niddy says
THANKS will be sending MPT letter.4/5/2012
MPT letter sent.
30/1/2013 BALANCE: £1700.16
Letter from Tesco Bank received today (1/2/13). You must pay yr credit card balance now. You have been issued with a Termination Notice on yr Tesco Bank credit card & yr a/c has been passed to our Recoveries team. To avoid any further action, pls make a payment now.
How to pay
Debit Card - call us on XXXXXXXXXXX
Cheque - send the cheque to Credit Card Recoveries.....
Need help?
If you cannot make this payment right away, you must call us immediately on XXXXXXX.
4/2/2013
Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received) sent by recorded.
18/2/2013
Letter from Tesco Bank received today (21/2/13). You still haven't paid yr credit card balance, But it's not too late. We recently wrote to you, remninding you to repay the amount due on yr a/c. However, you still haven't made a payment or agreed a repayment plan. What hapens now? As you have not made any payments, we will consinder taking further action. This could mean passing yr a/c to an external Debt Collection Agency, who will contact you & may visit yr home to collect the debt in person. Depending onb the amnount you owe, it could also include legal action against you to get the money back. However, we would much rather agree a more satisfactory arrangement with you. Pls call us. What you need to do It's vital that you take immediated action to pay the amount owed to avoid further action. You can make yr payment by: XXXXXXXXXXXXXXXX. We prefer not to take this action, but if we do not hear from you we have no alternative. Pls contact us immediately on xxxxxxx to discuss repayment of yr debt. (refer #664 see what they do next)
28/2/2013
Letter from Tesco Bank received today (4/3/13). We are considering legal action to recover your debt Despite writing to you several times, you have still not paid off yr credit card balance or made a repayment arrangement with us. We are now considering commencing court proceedings against you to recover this debt. What this could mean A County Court Judgment could be granted against you. This is likely to affect your ability to obtain credit in the future. You may also be liable for court costs. If we obtain a judgement & you still don't pay we may ask the court to enforce the debt against you. This could mean: *A legal document being served on yr employer which forces them to regularly take an amount of money from yr wage to pay yr outstanding debt to us (this depends on the number of hrs you work) *If you are a homeowner, we may ask the court for a charging order over yr home. If we have a charging order & yr home is sold (through repossession or for any other reason), we may look to any available sale proceeds to help pay the sums you owe to us. We would prefer come to an arrangement with you to settle this debt. Pls call ua immediately on XXXXXXXXX to discuss a repayment plan. Line are open XXXXXXXXX. refer #676
6/3/2013
Resend a photocopy Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received) with a cover note saying I am concerned that you are threatening legal action when you have failed to reply re problems with the agreement you supplied, outlined in my letter of 4/2/2013, a copy of which is enclosed. By recorded.
19/3/2013
Letter from Tesco Bank received today (22/3/13) Further action to recover yr debt Due to the absence of an acceptable repayment arrangement & despite several attempts to contact you to discuss this matter, we will shortly commence further action against you to recover the debt. This is likely to mean passing yr a/c to an external Debt Collection Agency, who will contact you & may visit yr home to collect the debt in person. Depending on the amount you owe, it could also include legal action against you to get the money back. However, we would much rather agree a more satisfactory arrangement with you. Pls call us urgently. Act immediately & stop further action - make a payment now You have 1 final opportunity to make a payment. Pls act now. You can pay by: XXXXXXXXXX. What happens if you don't pay If you don't make a payment or agree to a repayment plan within 7 days, we will commence further action against you. Need help? If you need to discuss yr situation, pls call us XXXXXXXXXXX. refer #686
8/4/2013
Letter from Tesco Bank received today (10/4/13) Important-you must take action-call us today on XXXXXXXXXXXXX Despite previous correspondence & our repeated attempts to try & reach an arrangement with you regarding the above debt, it still remains outstanding. We will shortly have no alternative but to seek the assistance of a Debt Collection Agency or, if appropriate, commence legal proceedings against you for recovery of the debt. What you need to do You have one final opportunity to make an acceptable offer of repayment. You must do this within the next 7 days. Call us on XXXXXXXXXXX to pay. Lines are open XXXXXXXX. Are you in financial difficulties? Contact us immediately if, due to financial difficulties or a change in circumstances, you cannot pay the full debt within the next 7 days. There is no need to panic. Call XXXXXXXto speak to one of our experienced advisors. They will listen sympathetically & help you think about yr options. We have helped lots of people in yr situation in the past. refer #697
26/4/2013
Letter from Wescot received (29/4/13) We have been instructed by our client (Tesco Bank) to collect the outstanding balance £xxxx.xx on their behalf. Pls contact us asap as failure to do so will result in further recovery action.
30/4/2013
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded. refer #720
8/5/2013
Letter from Wescot received today (13/5/2013). We acknowledge that you have raised a query on this a/c & we would like to confirm to you how this will be investigated. WHAT WILL HAPPEN? We will suspend all collections activity on the above a/c whilst the matter is under investigation. This means that we will not write to you, or telephone ou in pursuit of the a/c whilst it is being investigated. However, we may need to contact you if we require further details or wish to clarify any information that you have provided to us. As our investigation of yr query will require us to contact our client, this process may be take several wks. We would appreciate yr patient during this time. Upon concluding our investigation, we will contact you again. WHAT CAN YOU DO? If further information to help us investigate or resolve the query can be provided, we would be grateful. If you wish to contact us to discuss the matter.
14/6/2013
Letter from Wescot received today (18/6/2013). We refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that we are awaiting further information from our client before this issue can be resolved, we will be in touch with you in due course.
04/10/2013
Letter from Wescot received today (9/10/2013). We acknowledge that you have raised a dispute on this a/c & we would like to confirm to you how this will be investigated. WHAT WILL HAPPEN? We will not make contact with you regarding collection of the outstanding balance on this a/c whilst this issue is being investigated. Pls be advised that as we will also need to contact our client, this process may take several weeks.
08/10/2013
Letter from Wescot received (11/10/2013). Having contacted our client they have advised they have no record of receiving a CCA for this a/c. We believe the dispute has now been resolved & full balance or an agreed monthly instalment is required by return. If in the event you believe you still have a valid dispute, pls contact us within 14 days otherwise yr a/c will be returned to our recovery team for collection.
09/10/2013
Letter from Wescot received (12/10/2013). Refer to yr recent communication where you raised a dispute on this a/c. Thank you for yr patience & we can confirm that yr a/c remains on hold whilst we await further information from our client, we will be in touch with you in due course.
13/3/2014
Letter from Tesco Bank received. Due to yr failure to agree or maintain repayments towards yr debt, we've decided pass to Fredrickson working on our behalf. They'll attempt to contact you within the next 10 days, to start discussing yr individual circumstances to establish an affordable & sustainable repayment arrangement with you. Refer #829̾
20/3/2014
Letter from Fredrickson received. We're instructed by Tesco Bank to collect yr a/c debt which is now seriously overdue. You've failed to pay the balance which remains outstanding & our client now requires you must contact us immediately to either pay in full or set up an affordable repayment plan depending on yr circumstances. For yr convenience we offer a variety of payment methods. This is a serious matter & you may wish to seek independent advice. It so pls tel us straight away to let us know if this is yr intention.
28/3/2014
Templates | Unenforceability Templates | Account Sold whilst in Dispute sent by recorded. Refer #830 & #835
27/4/2014
Letter from Fredrickson received. Wrote to you recently about this a/c but have not yet received a satisfactory payment proposal from you. You need to contact us now to resolve this matter by either paying the balance outstanding or making an arrangement with us to repay the debt by instalments if yr circumstances are such that you can't pay in full. We urge you to do so without delay to prevent further debt recovery action being taken against you.For yr convenience we offer a variety of payment methods,this is a serious matter & you may wish to seek independent advice.
27/4/2014
Letter from Fredrickson received. If you require documentation under the CCA 74, you may request this directly from our client with the appropriate fee of £1. In the meantime pls contact us with yr payment proposals.
12/5/2014
Letter from Fredrickson received (14/5/14). Could you pls call our office. The a/c has been placed on hold for 10 days. Pls note that further debt recovery action may be taken if you do not contact us during this period.
Any advice on what I should send.
. 
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