AJ's UE Diary

[Sparkles]

Thanks for the feedback, it's good to see how these things pan out.

[Ostrich]

Hi guys. Sorry been offline over Xmas! But, yes, you're in the right ball park cost-wise. No regrets... dealt with swiftly and professionally and once JCS took the case on I didn't have any more to do with it until I got that lovely letter of discontinuance. Recommend them whole-heartedly.

Only one left now, which I'm fairly confident is UE, but time will tell!

[Dottir]

I think a lot will depend on if you have someone in court for you or if for example they claim gets stayed and you then apply to lift the stay for a strike out or whatever the procedure is. I can imagine it will soon hit 2k which let’s face it many of us don’t have.

That’s why, imho it is best to keep it out of court which the old AAD is way did with great success

[MisterK]

So would I, night monkey, any day. But hopefully ostrich managed to escape for a bit less than that.

[Night Monkey]

Are you able to tell us how much it will cost you or is that not possible

From previous threads I'd hazard a guess at 'about a grand' :-)

From my own perspective I'd rather give that to JCS to fight a claim than to feed the trolls. Money well spent, I'd say.

Congrats Ostrich, one more step on the road.

[MisterK]

Brilliant news Ostrich and it's yet another win for JCS. Are you able to tell us how much it will cost you or is that not possible. Perfectly understandable if you can't so don't go breaking any agreements over it. Just nice to get a handle on these things.

[Ostrich]

Type of account – Tesco Credit Card
Date commenced - 2016
Approx balance - £3,500
Date last paid – Jan 2021
Are you on arrangement or not paying – No contact made since last payment
Status – Default
Account owner – Tesco Bank.

Apr '21 - Default notice
May'21 - Passed to DCA (w€stcots)
Jul'21 - Confirmation of residency letter form Tesco (ignored)
Jan '22 - Letter from Tesco - passed to M00rcr0ft
Jan'22 - Letter from Mcroft confirming this - furhter letter asking to get in touch. Ignored
Feb '22 - Letter from Mcoft asking to get in touch
Feb '22 - Further letter from Mcroft asking to get in touch or may send collector to house. Ignored
Mar' 22 - Lots of calls from Mcroft... ignoring.
May '22 - Letter saying there 'might be' a significant discount available to clear the account. Filed
Aug '23 - 15 months of radio silence... but now - LC Asset 2 have been assigned the account (Link will chase).
Sept '24 - LBC received
Nov'24 - CC Claim received - JCS instructed...
Dec '24 - CLAIM DISCONTINUED!!!

Didn't take long for JCS to work their magic.... Claim discontinued, just in time for Christmas!

[Ostrich]

Type of account – Tesco Credit Card
Date commenced - 2016
Approx balance - £3,500
Date last paid – Jan 2021
Are you on arrangement or not paying – No contact made since last payment
Status – Default
Account owner – Tesco Bank.

Apr '21 - Default notice
May'21 - Passed to DCA (w€stcots)
Jul'21 - Confirmation of residency letter form Tesco (ignored)
Jan '22 - Letter from Tesco - passed to M00rcr0ft
Jan'22 - Letter from Mcroft confirming this - furhter letter asking to get in touch. Ignored
Feb '22 - Letter from Mcoft asking to get in touch
Feb '22 - Further letter from Mcroft asking to get in touch or may send collector to house. Ignored
Mar' 22 - Lots of calls from Mcroft... ignoring.
May '22 - Letter saying there 'might be' a significant discount available to clear the account. Filed
Aug '23 - 15 months of radio silence... but now - LC Asset 2 have been assigned the account (Link will chase).
Sept '23 - LBC received
Nov'23 - CC Claim received - JCS instructed...

Claim received... JCS on the case.

[Ostrich]

CCA request has been returned. Letter states this makes the debt enforceable (they would). No glaring omissions, but I don't know what I'd be looking for really...

[Dottir]

I would hope the solicitors would have the sense not to issue a claim with an outstanding request. Of course these are debt purchasers so who knows.

[Ostrich]

Ok, thanks. I'll have a proper look through it!

Yeah, I send t a copy of the CCA request to the solicitors.

[Dottir]

I would be looking in the SAR for things such as details of the default notice, termination notice, evidence of a notice of assignment and if you have not paid since they had it, date of last payment.

The solicitors can issue a claim, did you respond to their LoC ? I mean do they know you sent a cca request to Link?

[Ostrich]

So, I received a bundle from Tesco responding to my SAR request. Not really sure what I should be looking for in it really.

Awaiting the response to the CCA request from Link... Presumably, once that's delivered the solicitor can set legal action without sending a new LBC, or can they still do that while I await the response?

[Dottir]

Sorry I think I missed something
You seem to say the letter of claim came from a solicitor.

If it were me I really would reply to that , to the solicitor, and include a copy of the cca request.

I think Link can be quite persistent so set the scene in case the worst happens and they do issue a claim.

[Dottir]

Can I just double check it was an LBA as described in debt camel’s post and not just a threat?

Make sure you do actually respond to the letter by ticking I think box D. Also there ask for a copy of the agreement etc

Now is not the time to be an Ostrich ?