liandconsmum's UE Diary

[liandconsmum]

Re: liandconsmum's UE Diary

RE: Tesco

I am posting this tomorrow:

1. Send this to Tesco (CCA + £1) CCA Request
2. Send this to Tesco (SAR + £10) Subject Access (SAR) - Advanced Request
3. Copy in both above letters to the DCA (Wescot) with a simple cover note saying, see attached - I expect this account to be placed on hold pending the delivery of both sets of documents, which are needed to defend your allegations.

I've received a letter from Wescot stating they will be sending a doorstep collection agent to our house if we don't phone them immediately. I will make sure to also put in the letter re doorstep collection into Wescot's correspondence.

So that's where we are with Tesco right now.

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Hiya

A sar is about you, the data subject, not accounts. Therefore it will send a copy of EVERYTHING it holds about YOU for at least the last 6 years so you could do multiple PPi reclaims if you have had multiple loans.

Do not sign it, no. Also send it direct to the OC NOT the DCA. A SAR cannot lawfully dispute a debt, therefore send a separate request for the CCA to Tesco, with the £1 and that will then buy time whilst you await the sar.

So, what you need to do (abbreviated)...

1. Send this to Tesco (CCA + £1) CCA Request
2. Send this to Tesco (SAR + £10) Subject Access (SAR) - Advanced Request
3. Copy in both above letters to the DCA (Wescot) with a simple cover note saying, see attached - I expect this account to be placed on hold pending the delivery of both sets of documents, which are needed to defend your allegations.

Send all recorded and DO NOT sign anything! Keep us updated with developments.....

[liandconsmum]

Re: liandconsmum's UE Diary

Re: Tesco

Received a letter from Wescot yesterday. They're saying "we believe the dispute has been resolved and the full balance or an agreed monthly instalment is required by return....If in the event you believe you still have a valid dispute, please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for collection."

Hmmm..... I'll be honest, I'm tempted to send the £1 to Tesco and say "okay, yeah, whatever, send me what I requested." As I have no clue what they think I've requested. LOL

Actually, I've debated sending a request for the SAR... I definitely want to find out more re their PPI stuff as well as what precisely they have in the line of paperwork. We paid PPI on this loan. On our PREVIOUS loan with Tesco, their PPI was "no pre-existing medical conditions covered" and they gave us a partial reimbursement. It was really confusing at the time, as that loan had rolled over into a new loan (this one) which obviously took the whole balance left (on which PPI had been paid) and dumped it into the new loan. Then more PPI agreed by DH. When I asked about the PPI on the second loan, I was told (on the phone) that they were having difficulty locating the paperwork on the second loan, but "assured" me that their PPI now covers pre-existing conditions and that regardless of whether or not it was when we took it out, it would cover it now. I'm rather questioning that... (besides regardless, it still would have been mis-sold if it didn't cover it at the time it was taken out!!!).

Would I be able to send an SAR as well as a request for the PPI terms and conditions at the time the loan was taken out, as well as current ones? Or do I just have to take what I get when I ask for the SAR?

(Weirdly, they sent two letters in one envelope... dated about a week apart. The first has a typo on it that is circled with ink correction and handwritten above the typo "passed back to op 1-8-11". Why would they send this?? Just mistake? Everything else is the same on it.)

Do they need a signature for the SAR?? As the letter we got the other day again asked for a signature (for whatever it was we didn't request LOL), and I imagine you remember that it took us 9-10 months to get the CCA due to them demanding signature, which we never sent.

[liandconsmum]

Re: liandconsmum's UE Diary

Will do. Now that the other trauma is past. LOL I can focus on other stuff for a while.

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Also, checking a few accounts to give myself a break from the Santander one for a minute, I've realised that DH had PPI on his MBNA account (which he had since 2001!) which I'm willing to bet has been mis-sold. According to him he has NEVER been asked about pre-existing medical conditions. So I guess the SAR letter will have to go off to MBNA. The account itself is currently with Experto Credite (paying £10 per month on it), however, they bought the account, so the PPI reimbursement request will be entirely separate. It will be interesting to see what the amount will be, as for awhile there we were easily paying £65 per month for PPI (back in 2008 before DH cancelled it!).

Yep, get a reclaim in and chat to Di30 about this over here: ---> Reclaiming - allaboutFORUMS

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Alright. Back to other stuff.

RE: Tesco account. It appears Wescot made a credit search on DH in May, listing reason as "outstanding debt". Is there any particular reason for doing this? We haven't moved, and as we've been responding to letters to Tesco and their various hitmen (DCAs, solicitors), it's not like they didn't know where we were and needed to verify our address on file.

They do this as a trace - it'll record as an outstanding debt and remain for 2 years, not like a normal credit search which last 1 year...

Its normal.

[liandconsmum]

Re: liandconsmum's UE Diary

Also, checking a few accounts to give myself a break from the Santander one for a minute, I've realised that DH had PPI on his MBNA account (which he had since 2001!) which I'm willing to bet has been mis-sold. According to him he has NEVER been asked about pre-existing medical conditions. So I guess the SAR letter will have to go off to MBNA. The account itself is currently with Experto Credite (paying £10 per month on it), however, they bought the account, so the PPI reimbursement request will be entirely separate. It will be interesting to see what the amount will be, as for awhile there we were easily paying £65 per month for PPI (back in 2008 before DH cancelled it!).

[liandconsmum]

Re: liandconsmum's UE Diary

Possibly. Although to be honest the reason the account is so long overdue is because Tesco spent 9 months avoiding sending the CCA due to lack of signature, and then what they sent was UE. LOL

I have to admit that it does punch a bit of a hole in their Data Protection argument that they used for not sending the first one, which they then sent after 9 months still with no signature, then Tesco have now demanded ANOTHER signature for a CCA request that I didn't send!! My poor aching head!!

[Susie]

Re: liandconsmum's UE Diary

Alright. Back to other stuff.

RE: Tesco account. It appears Wescot made a credit search on DH in May, listing reason as "outstanding debt". Is there any particular reason for doing this? We haven't moved, and as we've been responding to letters to Tesco and their various hitmen (DCAs, solicitors), it's not like they didn't know where we were and needed to verify our address on file.

perhaps they wanted to see how much total debt you have and if anyone else is getting paid so they can decide which template/threat/grovelling letter may have a squeak of a chance to get them something paid?

[liandconsmum]

Re: liandconsmum's UE Diary

Alright. Back to other stuff.

RE: Tesco account. It appears Wescot made a credit search on DH in May, listing reason as "outstanding debt". Is there any particular reason for doing this? We haven't moved, and as we've been responding to letters to Tesco and their various hitmen (DCAs, solicitors), it's not like they didn't know where we were and needed to verify our address on file.

[liandconsmum]

Re: liandconsmum's UE Diary

Paul - I didn't ask for ANYTHING from Tesco. I sent a template letter to their most recent solicitor basically saying this account is UE. And then I got the letter from Tesco itself saying I needed to pay a fee for CCA request and they needed signature. And then days later I received something from yet a different DCA demanding payment in full. All for the same account.

It's not the first time they've done this - in December 2010, we got a letter from one DCA demanding payment in full for the account within 14 days, and then approximately 5 days later, received a letter from a completely different DCA (again, same Tesco account) demanding full payment. The letters were dated 6 days apart, so it's not like it was delayed in postage or anything.

But honestly, no clue what's they're thinking now. We haven't ASKED for anything. Simply reminded them that it's UE.

[Paul.]

Re: liandconsmum's UE Diary

Paul - yep. But I didn't ask for another CCA request. That's where my confusion kicks in. LOL

what did you ask for?

[liandconsmum]

Re: liandconsmum's UE Diary

Paul - yep. But I didn't ask for another CCA request. That's where my confusion kicks in. LOL

[Paul.]

Re: liandconsmum's UE Diary

Truly truly odd piece of correspondence from Tesco. Saying that they are in receipt of our letter requesting CCA and we need to send the £1 fee and DH's signature. Quite literally, I am sitting here thinking "huh?"

if you are making a formal request pursuant to the Consumer Credit Act then you must send a £1.00 fee.

You are not required however to sign the letter , a electronic signature would suffice.

[MrsD]

Re: liandconsmum's UE Diary

must admit i spend a lot of time wondering what the hell they are on about, I'd just ignore that for the moment and see if anything else turns up. I think they suggest you send a £1 for a CCA when they can't think of anything else!!!