Pebbles88 UE Diary

Re: Pebbles88 UE Diary

Tesco Personal Finance
Unsecured joint Loan – balance now approx £23000
Took out Sept 2007
Currently paying £100 p/m through CCJ
Incasso are dealing with this

Jan 09: Write to Tesco Personal Finance (TPF) explaining I am having financial difficulties after having to give up my job due to health issues.
Feb 09: Letter Rec from TPF saying the will accept £1 token payments & that i should try to claim on the loan insurance
March 09: Try to claim on insurance, told in april we can’t as when we took the loan out I was suffering from the health probs at the time and had been absent from work.
April 09: Notice rec from TPF just advising that we are behind with our payments & that they must send us this notice out but that they know a payment plan is in place.
Sept 09: another Notice rec as above. All going fine, still paying token payments at £1 p/m
Nov 09: request from TPF for Increased payments – wrote back advising we are no different financially and requesting to stay on £1 p/m
22/12/09: (Nice Christmas present): Formal notice of intention to file a default & actual default letter received on same day in separate envelopes. Default notice states full balance must be paid by 6/1/10 to stop formal action (It did not give all the days as needed, but 10past6 looked through this and said we couldn’t fight it??) We wrote back begging/asking for help, exp situation fully.
5/10/10: letter rec from TPF saying account passed to Credit Management Services & they can’t do anything else.
15/1/10: Letter from TPF demanding full balance by 23/1/10 or formal action will commence.
31/1/10: 1st letter rec from Triton Credit Services
5/2/10 2nd letter from Triton Credit Services
6/2/10: 3rd letter rec from Triton
10/2/10: 4th Letter rec from Triton
13/2/10: 5th letter rec from Triton
20/2/10: 6th Letter rec from Triton

All their letter demanding payment, they ignored every reply we sent back trying to co-operate but ask for more time.
25/2/10: letter rec from Green & Co solicitors (TPF in disguise) demanding payment in full before formal action.
A cca req was sent to Triton also, they refused to action as it wasn’t signed.... finally let us know this on the 2/3/10.
5/3/10: letter sent to TPF/Triton: demand for signature letter.
11/3/10: Signature demand letter returned: as not signed.. from TPF
26/3/10: letter rec from NATWEST re this account (natwest nothing to do with it, guess they mixed letterheads up) saying again they won’t action cca req as not signed, and that apparently Newmans are dealing with the account....

31/3/10: 1st letter rec from Incasso LLP asking for full balance addressed to DH only
13/4/10: letter from Moorcroft addressed to me asking for full balance. Letter sent saying that Incasso are dealing with & that we have req CCA again.
*Complaint letter sent to ICO for them sending info off to diff DCA whilst in default
26/4/10: incasso letter asking for £1 to action CCA Req
19/4/10: court forms rec from Northampton, sent I&E forms off, court decided we should pay just over £40 p/m – incasso went for re-determination, we attended hearing, judge made us feel like carp- he told us it should be at least £85 p/m – so we dig a bit extra out and have been paying £100p/m since then.
July/Sept 2010: CCJ granted & charging order granted for house. TPF have write & adv they will re-consider payment proposals once debt secured – they haven’t replied to our letter so far...

Meanwhile incasso just keep writing asking for proposals for repayment despite the CO only being granted last month....

And that’s where we are today. I have wrote back to Incasso to tell them our situation is no better, but that me & DH have Separated, still having to live in same house.

Jan: 2011: still paying as per ccj. only achieved this after writing to tpf reminding them that thet agreed to accept our repayments as soon as they got the ccj.

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