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  • Robesco - Tesco Credit Card diary

    Originally a Tesco credit card
    Taken out around 2006 (ish)
    Original credit limit £3000
    Last full payment around late 2007
    Defaulted 19/12/2007
    2009 Payments made via Stepchange DMP
    07/07/2019 CCA request sent
    30/07/2019 Letter received that CCA request was not properly signed, please sign enclosed form & return
    21/08/2019 Form with signature returned

    Never had any reply!

    19/12/2019 - After 10 years on Stepchange DMP, stopped all payments
    09/03/2021 - Account assigned to Intrum Personal Finance

  • #2
    A couple of questions on this one.

    I guess there is a chance Tesco still hold the original agreement but simply misplaced my signed form they requested.

    Q1 - Do I send a sold while in dispute letter (is that still the advice given?)

    Q2 - As I've seen other posts from Jo / Di about Intrum not being properly licenced does this change the action I should take?

    Thanks

    Comment


    • #3
      Originally posted by Robesco View Post
      I've seen other posts from Di about Intrum not being properly licenced does this change the action I should take?

      Hello

      If I've understood your post correctly you sent a CCA Request to Tesco in July 2019 and they didn't comply with your request so the debt is currently unenforceable.

      Post on your thread each and every letter you get from Intrum and the forum members will guide you every step of the way. I see no need for you to engage with Intrum at this stage.

      Di
      I don't give advice, I share wisdom. Whenever the chips are down there's always a Plan B

      I'm a fully qualified mother which is the hardest exam I've ever sat. I have other more formal qualifications which are less important


      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment


      • #4
        I currently have a Tesco sold to Intrum and to be honest they are worse than a wet paper bag. All they want to do is offer discounts each month for a settlement. As far as I’m concerned I just file their love letters away until something with a bit of punch shows up.

        Comment


        • #5

          Rob I wouldn’t personally send any letter at this stage, play the long game, the longer you leave them to play with themselves the nearer you get to Statute Barred, they will play for a few months maybe first year then get bored if you don’t respond. They might then reappear after another year, unless you get a court letter of claim then, I’d just get on with life.
          By all means post up here to get reassurance and support as you feel you need it, update your diary accordingly just so the clever ones amongst us can give best advice.

          Comment


          • #6
            no CCA no contact with them.
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment


            • #7
              Originally posted by Robesco View Post
              A couple of questions on this one.

              I guess there is a chance Tesco still hold the original agreement but simply misplaced my signed form they requested.

              Q1 - Do I send a sold while in dispute letter (is that still the advice given?)

              Q2 - As I've seen other posts from Jo / Di about Intrum not being properly licenced does this change the action I should take?

              Thanks
              It is possible that Tesco have a copy, but unless/until they provide one, the debt is unenforceable.

              While they are in default of your CCA request, there is no benefit in making contact. Let sleeping dogs lie.
              Legal Disclaimer
              I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. 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

              If you need to contact me you can send me a message by clicking my username or by emailing me at gerry@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. If you spot an abusive or libellous post then please report it by Clicking Here.

              Comment


              • #8
                The basic line is to do whatever you can to avoid a claim. If a claim comes you can reassess but try to avoid it. I believe my one and only claim came about because 1) I got a new credit card and 2) I took my eye off the ball after receiving a letter of claim.

                Comment

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