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  • Originally posted by F19FOX View Post

    Hello Di

    Oh wow! That sounds very encouraging indeed. You have made my day

    Enjoy the rest of your day!

    Fox
    I've just received a letter from Judge & Priestley Solicitors in connection with this debt (Tesco / Intrum) stating 'this letter is sent in compliance with the Pre-Action Protocol on Debt Claims'. There are two appendices as well - the first asking me various questions with options as to whether I agree the debt etc and the second is for me to record details of my financial situation including my income and expenditure. They have given me 30 days to reply (from 17th Nov) or 'our client may instruct us to issue court proceedings against you without further notice.'

    So, my query is do I need to respond to this and if so stating what? Or is this another bluff and bravado attempt to get me to contact them but I should ignore?

    Thanks

    Fox

    Comment


    • Originally posted by F19FOX View Post

      I've just received a letter from Judge & Priestley Solicitors in connection with this debt (Tesco / Intrum) stating 'this letter is sent in compliance with the Pre-Action Protocol on Debt Claims'. There are two appendices as well - the first asking me various questions with options as to whether I agree the debt etc and the second is for me to record details of my financial situation including my income and expenditure. They have given me 30 days to reply (from 17th Nov) or 'our client may instruct us to issue court proceedings against you without further notice.'

      So, my query is do I need to respond to this and if so stating what? Or is this another bluff and bravado attempt to get me to contact them but I should ignore?

      Hello

      That sounds like a Letter of Claim to me.

      Email me a copy so I can see what they intend to claim and why they think they have the right to claim it using di@joannaconnollysolicitors.co.uk

      Only send the first couple of pages not the whole Reply Form bit.

      I'll also take a peek back at the history of this debt on your thread and post again later.

      Di
      Legal Disclaimer

      I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

      Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

      Comment


      • I've found the history in this post here.

        I can see your CCA Request was sent to Tesco but that doesn't necessarily mean that Intrum will have access to the same documentation. Maybe email me the credit agreement you were sent to look at as well.

        Don't worry yet about the agreement being deemed enforceable because that doesn't necessarily mean that the original creditor has complied with all their other statutory duties.

        And don't forget that Intrum do not have FCA authorisation to issue legal proceedings although that doesn't mean they won't give it a go.


        Originally posted by F19FOX View Post
        F19FOX's account number 7


        TESCO
        • Type of account - Credit card
        • Date commenced - 22nd Nov 2011
        • Approx balance - £10,641
        • Date last 'full' payment - 30th Oct 2015
        • Arrangement - Not paying
        • Status - defaulted 9th March 2016
        • Account owner - Intrum UK Finance Limited
        2015
        OCT26/10 Advice from Stepchange (SC) to set up temporary payment arrangements of £1 with each of my creditors as my income is less than my expenses.
        30/10 Posted SC templated temporary payment arrangement letters to all creditors offering £1 per month token payments. Included budget and list of creditors.

        2018
        APR 27/4 Wrote to Tesco to request copy of CCA.
        MAY 14/5 Letter from Tesco with CCA documents.
        MAY 20/5 CCA documents sent to Niddy to check for enforceability.
        22/5 Niddy says its enforecable No real surprise especially as its my newest debt but I really value his expert opinion. Thanks Niddy

        22/5 Continue to pay token payments of £1pm and see if anything else develops
        JUN
        6/6 text received from tesco requesting me to contact them urgently - guessing its for my annual review!
        7/6 Letter from Tesco saying time for a review, my current arrangement has come to an end and that if they don't hear from me then they will continue on the same arrangement as before!
        .. So no change then
        DEC13/12 Letter from Tesco 7th Dec 2018 requesting review but also stating if I don't contact them then will continue on same arrangement. So continuing with £1 per month then! ..

        2020
        Jan 8/1 Letter from Tesco requesting review but if I don't contact them then will remain on same arrangement as present. Filed.
        Feb 3/2 correspondence received from Tesco & Intrum all in same envelope dated 30th Jan 2020 informing me that Intrum UK Finance Limited is now the new legal owner. I've decided therefore to stop my £1 token payments from today. Filed paperwork
        Mar 5/3 Letter from Intrum dated 2nd mar 2020 chasing to set up payment plan. Filed
        11/3 Letter from Intrum telling me to get in touch in the next 10 days. Filed
        23/3 Letter from Intrum saying they may take legal action if I don't get in touch. Filed
        31/3 Letter from Intrum asking me to get in touch & tell them what I can afford. Filed
        APR 13/4 Letter from Intrum wanting me to set up payment plan - Filed.
        22/4 Letter from Intrum saying they may take legal action if I don't get in touch. Filed
        MAY 4/5 Letter from Intrum saying they are thinking of taking me to court. Filed
        11/5 Letter from Intrum saying 'would I like a discount without taking me to court?'. Filed
        20/5 Letter from Intrum saying they are planning to hand my account over to their legal team. Filed
        JUNE 1/6 Letter from Intrum legal dept saying they will pass my account to solicitors if I fail to get in touch within 10 days. Filed.
        OCT 26/10 Letter from Intrum legal dept saying they will pass my account to solicitors if I fail to get in touch within 10 days. Filed.
        NOV 12/11 Letter from Intrum legal dept saying they have transferred my account to Judge & Priestley LLP to pursue the debt. Filed.
        17/11 Letter from Judge & Priestley solicitors sent in compliance with the Pre-Action Protocol on Debt Claims giving me 30 days to respond. Filed.
        Di
        Legal Disclaimer

        I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

        Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

        Comment


        • Originally posted by Diana Mayhew View Post


          Hello

          That sounds like a Letter of Claim to me.

          Email me a copy so I can see what they intend to claim and why they think they have the right to claim it using di@joannaconnollysolicitors.co.uk

          Only send the first couple of pages not the whole Reply Form bit.

          I'll also take a peek back at the history of this debt on your thread and post again later.

          Di
          Hello Di

          Thank you for responding so promptly!

          I've just emailed you

          Thank you

          Fox

          Comment


          • Just seen your second post . I will email you the CCA as well now Thanks

            Comment


            • Originally posted by F19FOX View Post

              Hello Di

              Thank you for responding so promptly!

              I've just emailed you

              Thank you

              Fox


              I've received both of those emails and replied with some questions for you

              You have 30 days to reply (or not) to that Letter of Claim so now is a good time to do the background research.

              Send a SAR to Tesco to see what data they hold, don't sign it with your usual signature. I'll explain more when we speak.

              Enjoy the rest of your weekend.

              Di
              Legal Disclaimer

              I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

              Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

              Comment


              • Originally posted by Diana Mayhew View Post



                I've received both of those emails and replied with some questions for you

                You have 30 days to reply (or not) to that Letter of Claim so now is a good time to do the background research.

                Send a SAR to Tesco to see what data they hold, don't sign it with your usual signature. I'll explain more when we speak.

                Enjoy the rest of your weekend.

                Di
                Thanks Di

                I've just managed to catch the post and the SAR request is on it's way to Tesco .. with an unusual signature

                Enjoy the rest of your weekend too.

                Thanks again

                Fox

                Comment


                • Originally posted by F19FOX View Post

                  Thanks Di

                  I've just managed to catch the post and the SAR request is on it's way to Tesco .. with an unusual signature

                  Enjoy the rest of your weekend too.

                  Thanks again

                  Good - now let's see what that reveals

                  (I've replied to your latest email)

                  Di
                  Legal Disclaimer

                  I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

                  Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                  Comment

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