Lola girl UE diary...newbie!

[Lola girl]

• Type of account: Tesco Credit Card
• Date commenced: 24/3/2007
• Approx balance: £3,900
• Date last paid: Aug 2018
• Are you on arrangement: DMP
• Status: Default 10.10.18
• Account owner: Intrum Uk Finance Ltd

CCA request - letter received to say they would not comply as I had not included my signature

15/8/19 I have not sent them a signature and have cancelled the StepChange payment. Have sent them a signature not required letter.

30/8/19 letter received acknowledging my complaint (wasn’t aware I’d made one!). No mention of CCA. Filed away.

2/9/19 phone call from Tesco complaints team - they acknowledge that a signature is not required for CCA. CCA will be sent out within 30 days. Advised that as now currently UE I will not be making further payments at present.

5/9/19 original true copy of credit agreement, terms and conditions and a statement received from Tesco. Will send over to Niddy for checking.

6/9/19

Good documents received considering the age of this one. Niddy says enforceable.

27/01/20 Intrum carried out a search on my credit record
30/01/20 letter from Tesco saying they have assigned the account to Intrum UK Finance Limited
30/01/20 letter from Intrum Uk Finance Limited confirming that they have purchased the account on 16/01/20 with information on how to set up payments directly to them...filed and ignored
11/03/20 letter from Intrum asking me to contact them within 10 days or to access online account to set up a monthly payment schedule...filed and ignored
23/03/20 letter from Intrum - We may take legal action if you don't get in touch which may affect your credit score (not sure how!). They kindly sent me an income form to complete. Filed and ignored
31/03/20 letter from Intrum - we are thinking of taking you to court. We don't want to but are considering applying for a county court judgement, they may also add court fees of £185 and solicitors costs of £80. If I am affected by Coronavirus I can contact them. No let up from them in current health / economic crisis! Filed and ignored.
10/4/20 letter from Intrum - would you like a discount? We want to help you to pay without taking you to court. Filed and ignored.
20/4/20 letter from Intrum - we’re getting ready for legal action. Your account will be handed to the legal team on 30/4/20. May apply for a CCJ and ask court for an attachment of earnings order and a charging order. Filed and ignored
7/5/20 letter from Intrum - dated 1st May. Headed from the Legal Department. This team are in charge of getting a CCJ against me. They have given me until 11th May to contact them prior to application for CCJ/ solicitors costs and court fees. Filed and ignored.
11/9/20 - letter from Intrum, they regret I haven’t been in touch. Account on hold for 10 days then passes to solicitors for Letter before Claim. Filed and ignored.
30/10/20 received letter of claim from Lester Aldridge on behalf of Intrum. Copy sent to Di for some advice as this is enforceable.
06/11/20 long chat with the lovely Di regarding the Intrum letter of claim and Tesco docs (and their enforceability!), still have a couple of weeks to reply. SAR sent to Tesco in the meantime.
5/12/20 SAR documents received from Tesco. Did not reply to the letter of claim in November.
6/1/21 annual statement received from Intrum
13/1/21 Intrum have carried out 2 searches on my credit file.

Any idea why they might be searching my credit file? Would it be to check where I live etc as I’ve not replied to their LBC or maybe to see what else I owe?

[Joanna Connolly Solicitors]

Thanks Di for your reassuring words. I’ve had Covid for 2 weeks so it’s been the last thing on my mind anyway. Hope you and all the lovely members have a wonderful Christmas and here’s to a better 2021!

I'm so sorry to hear you've been ill.

I wish you a speedy recovery and hope you're being looked after.

Best wishes for Christmas and a better 2021.

Take Care

Di

[Lola girl]

This may mean that Intrum don't have the credit agreement or any other necessary documentation in their possession if they decide to issue legal proceedings, notwithstanding the fact they are not FCA authorised.

Your CCA Request was to Tesco not Intrum.

Let me know if Lester Aldridge issue a claim, but put this out of your mind for now.

Di

Thanks Di for your reassuring words. I’ve had Covid for 2 weeks so it’s been the last thing on my mind anyway. Hope you and all the lovely members have a wonderful Christmas and here’s to a better 2021!

[Joanna Connolly Solicitors]

Hi Di - I have received the SAR from Tesco. Same credit agreement as I had previously, copy of correspondence and a list of account actions. No correspondence between them and Intrum, or any assignment notices included though. No follow up on the letter of claim as yet.

lola x

This may mean that Intrum don't have the credit agreement or any other necessary documentation in their possession if they decide to issue legal proceedings, notwithstanding the fact they are not FCA authorised.

Your CCA Request was to Tesco not Intrum.

Let me know if Lester Aldridge issue a claim, but put this out of your mind for now.

Di

[Lola girl]

Let me know if either or both of those things happen

Di

Hi Di - I have received the SAR from Tesco. Same credit agreement as I had previously, copy of correspondence and a list of account actions. No correspondence between them and Intrum, or any assignment notices included though. No follow up on the letter of claim as yet.

lola x

[Joanna Connolly Solicitors]

Thanks Di - I shall ignore and see if they issue a claim! Will let you know once the SAR comes back from Tesco.
lola x

Let me know if either or both of those things happen

Di

[Lola girl]

And sometimes those un obvious things are a deliberate attempt to fool you.

No need to reply to that Letter of Claim from Lester Aldridge solicitors.

Di

Thanks Di - I shall ignore and see if they issue a claim! Will let you know once the SAR comes back from Tesco.
lola x

[Joanna Connolly Solicitors]

sometimes the most obvious things are the most un obvious!

And sometimes those un obvious things are a deliberate attempt to fool you.

No need to reply to that Letter of Claim from Lester Aldridge solicitors.

Di

[Lola girl]

You're welcome

It would be wrong of me to post anything which we discussed in private, so I’ll limiting my comment to “at least I can count . . . “

Di

sometimes the most obvious things are the most un obvious!

[Joanna Connolly Solicitors]

Thanks for the calls Di - feeling hopeful and reassured!
lola x

You're welcome

It would be wrong of me to post anything which we discussed in private, so I’ll limiting my comment to “at least I can count . . . “

Di

[Lola girl]

• Type of account: Tesco Credit Card
• Date commenced: 24/3/2007
• Approx balance: £3,900
• Date last paid: Aug 2018
• Are you on arrangement: DMP
• Status: Default 10.10.18
• Account owner: Intrum Uk Finance Ltd

CCA request - letter received to say they would not comply as I had not included my signature

15/8/19 I have not sent them a signature and have cancelled the StepChange payment. Have sent them a signature not required letter.

30/8/19 letter received acknowledging my complaint (wasn’t aware I’d made one!). No mention of CCA. Filed away.

2/9/19 phone call from Tesco complaints team - they acknowledge that a signature is not required for CCA. CCA will be sent out within 30 days. Advised that as now currently UE I will not be making further payments at present.

5/9/19 original true copy of credit agreement, terms and conditions and a statement received from Tesco. Will send over to Niddy for checking.

6/9/19

Good documents received considering the age of this one. Niddy says enforceable.

27/01/20 Intrum carried out a search on my credit record
30/01/20 letter from Tesco saying they have assigned the account to Intrum UK Finance Limited
30/01/20 letter from Intrum Uk Finance Limited confirming that they have purchased the account on 16/01/20 with information on how to set up payments directly to them...filed and ignored
11/03/20 letter from Intrum asking me to contact them within 10 days or to access online account to set up a monthly payment schedule...filed and ignored
23/03/20 letter from Intrum - We may take legal action if you don't get in touch which may affect your credit score (not sure how!). They kindly sent me an income form to complete. Filed and ignored
31/03/20 letter from Intrum - we are thinking of taking you to court. We don't want to but are considering applying for a county court judgement, they may also add court fees of £185 and solicitors costs of £80. If I am affected by Coronavirus I can contact them. No let up from them in current health / economic crisis! Filed and ignored.
10/4/20 letter from Intrum - would you like a discount? We want to help you to pay without taking you to court. Filed and ignored.
20/4/20 letter from Intrum - we’re getting ready for legal action. Your account will be handed to the legal team on 30/4/20. May apply for a CCJ and ask court for an attachment of earnings order and a charging order. Filed and ignored
7/5/20 letter from Intrum - dated 1st May. Headed from the Legal Department. This team are in charge of getting a CCJ against me. They have given me until 11th May to contact them prior to application for CCJ/ solicitors costs and court fees. Filed and ignored.
11/9/20 - letter from Intrum, they regret I haven’t been in touch. Account on hold for 10 days then passes to solicitors for Letter before Claim. Filed and ignored.
30/10/20 received letter of claim from Lester Aldridge on behalf of Intrum. Copy sent to Di for some advice as this is enforceable.
06/11/20 long chat with the lovely Di regarding the Intrum letter of claim and Tesco docs (and their enforceability!), still have a couple of weeks to reply. SAR sent to Tesco in the meantime.

Thanks for the calls Di - feeling hopeful and reassured!
lola x

[Timewilltell]

I trust you enough to land you mine as or when they exist!!

[Joanna Connolly Solicitors]

Thanks Di - look forward to hearing from you. Good that I’ve read so many threads and didn’t descend into panic mode when it arrived! ?

If it helps I descended into panic mode when I received court claims served on me until I realised it's a legal argument not a moral argument.

Not lost any of them in court and hopefully my judgments will help others too. So far so good

Di

[Lola girl]

The credit agreement may have been deemed enforceable when it was sent to you by Tesco, but there’s no guarantee that Intrum will have access to that document. They may do, but never assume anything.

Added to that they would have needed to comply with all their other statutory duties.

There’s ample time to reply (or not) to the Letter of Claim.

(I have received your email.)

Di

Thanks Di - look forward to hearing from you. Good that I’ve read so many threads and didn’t descend into panic mode when it arrived! ?

[Joanna Connolly Solicitors]

Hi Di - letter of claim has arrived today from Lester Aldridge Solicitors on behalf of Intrum. Letter dated 26th Oct giving me the 30 days. I will copy and email it to you Di. As you know this one was deemed enforceable when I CCA’d Tesco.

The credit agreement may have been deemed enforceable when it was sent to you by Tesco, but there’s no guarantee that Intrum will have access to that document. They may do, but never assume anything.

Added to that they would have needed to comply with all their other statutory duties.

There’s ample time to reply (or not) to the Letter of Claim.

(I have received your email.)

Di