Tesco credit card, judgement entered.. **PAID IN FULL**

**bowkett** · 27th June 2006 13:42

Hello to all, I have a thread going on in banking under Abbey icon

but have now decided to chase up Tesco for the £140 they have taken over the last 5 years. If anyone out there has already tackled them I would be grateful of any advice! Watch this space, my 1st letter goes out today with the schedule attached, I am trying to stagger my claims so I dont end up spending a week in court! I know its not a great amount, but as Tesco themselves always say 'Every little helps!';-)

Similar Threads:

**dolly** · 27th June 2006 13:55

I sent off my DPA to Tesco earlier this month, had a letter acknowledging it but heard nothing since. So yes, I will be as well

**bowkett** · 27th June 2006 14:01

Hi Dolly, looks like may be comparing notes then, I will be updating as and when, do you have a thread going?? I will keep an eye on it if so! Good luck with your claim xx

**dolly** · 27th June 2006 14:08

Not started a thread yet as I have no figures - this goes back to the full 6 years icon

but the account was paid off 2 years ago and was with a DCA icon

for about 18mths before that, so I imagine it'll be a bit complex!

As soon as I get figures I will start a thread. Hope yours goes well

**bowkett** · 27th June 2006 15:53

Thanks Dolly, I hope it does too, I will keep you posted on how things go and what letters I get back! Fingers crossed!

**bowkett** · 5th July 2006 12:19

Well, one week since the prelim letter went out by registered post. No response at all as yet so another week of waiting lies ahead. How you getting along with things Dolly??

**dolly** · 5th July 2006 12:48

Still haven't got my DPA request yet although it has been acknowledged.

**bowkett** · 7th July 2006 17:06

Hi Dolly, good luck with it! I got a letter today:

Date 05-07-07
Dear Miss XXX

We are sorry that you were less than satisfied with the level of service you received from us.
Thanks you for letting us know about your concerns as it gives us a chance to address the issues you raised.
We need more time to look into matters further so we can answer your concern fully. We will contact you again within the next ten business days to let you know how we propose to resolve things for you, or at least to let you know how we are progressing.

We can assure you that we will deal with your concern quickly and effectively. To help you understand how we will handle your concern, we have enclosed a leaflet which outlines our approach.

Once again, thank you for contacing us about your concern
Yours Sincerely
(Real signiture, not a computer one!)
Geri Hatcher
Senior Customer Adivsor

How about that then? I intend to stick to my deadline, although their response time is far better than most banks promise!! Shame it took them over a week to acknowledge my letter though! I have to say I am impressed that a real person has signed the letter, I have only dealt with Abbey icon

up to now though. I am working my way through my old banking files on a weekly basis, I will most likely spend my summer in the local court lol.

**BaldyBaldwin** · 7th July 2006 22:06

what a careing bunch they sound , stick to your timetable not theres.

i wil let you know when i get a reply to my prelim, it should not be to long , hopefuly, like yourself, so far they have been very quick to respond , unlike the Halifax icon

, who have chosen to ignore me from day one.

good luck

kevluff

**bowkett** · 12th July 2006 08:37

Well, the first round of 14 days are up, they get my lba icon

sent today! Moving forward slowly, will keep you all informed. Hope you're getting on well with your claims!!

**BaldyBaldwin** · 12th July 2006 09:10

prelim letter was received by pestcos , and HSBC icon

, on the 06/07. and as yet no reply ( lets see what the postie brings today)
my lba icon

deadline is the 19/07, so i am about aweek behind you,

i was quite shocked that they repied to my dpa request so quickly, unlike citibank and MBNA icon

who have acknowledged my dpa,s and told me they will get back to me when the cows come home, so dpa lba,s will be sent out this week to remind them that they are working to my timetable not theres and they have a legal obligation
and as for the good old Halifax icon

; they are choseing to ignore me, but they can go on the back burner for now

Once again best of luck with your claim

kevluff

**BaldyBaldwin** · 12th July 2006 10:33

oops, spoke to soon, just got letter from pestco, it is exactly the same as every one elses. nice line in the complaints leaflet they enclosed saying the complaint could take up to 8 weeks to resolve, after which i MAY BE ELIGABLE to contact the fos icon

(who are they to deciede if i am eligable) funny they never mentioned the county courts though, lba icon

going out on the 19/07

**dolly** · 15th July 2006 17:59

Well I got my statements back to August 2001....funnily enough they don't have them from June 2000 as requested. Anyway I was AMAZED to see that there are no charges on there.

This account went to a DCA icon

in June 2002 and up to that time I made no payments and yet there was no charges, interest icon

was frozen.....very, very strange.

Anyway, there is a disputed debt of £185 on the account - I paid it off in full to DCA on a reduced, early settlement figure but yet there is still this balance showing. Rang Tesco again.....and they wiped it off. Then (and this is the best bit) she said as the balance was now clear they would send me a new card

Couldn't believe it! So no claim against Tesco, it seems.

**BaldyBaldwin** · 15th July 2006 21:46

exactly the same happened to me with HSBC icon

credit card, at the time they did not stop hassleing me and it ended with a default against me.
when i got my statements i discovered they had only charged me 15 pounds.
so not really worth the time pursueing them for it.

**bowkett** · 16th July 2006 12:03

Hi you two, just over a week to go before filing with money claim against Tesco's, but I file this Wednesday against Abbey icon

, I havent heard a peep from Tesco's since the last letter, sent the lba icon

so watching for something this week.
Are you not going take them up on the offer of a new card Dolly?? I cant believe they think you would want one anyway, numskulls!

Kevluff, isnt it worth your while to chase them to get the default removed?? Just a thought, if it is from a long time ago I suppose its more hassle but they stay for six years dont they?

**BaldyBaldwin** · 16th July 2006 12:31

morning bowkett, thanks for the reply, the reason i that i will not be chaseing HSBC icon

over the default is that i dont think i have much of a case, it would be hard to prove that 15 pounds worth of charges over 3 years was the only reason that led to the default being registered against me.

i think it was a cheap shot to default me ,as they done it 2 weeks before i settled the account in full, as i told them i would, but would you expect anythink less from them?

perhaps they did not charge me as much as i believed they had because they were raking it in from my current acc. 3000 up to now! ( prelim sent)

although a default is a pain, it does not seem to be affecting my credit rateing

i must be honest on this , as i borrowed the money , it was my obligation to repay it

never mind, i will just
move on to the next one, MBNA icon

here we come

good luck with yours regards kevluff

**bowkett** · 17th July 2006 13:37

Well, good luck with your new task! Hope it all goes well xx

**bowkett** · 18th July 2006 10:59

Hi all, got another letter today, this is in response to my first letter and not the lba icon

. Havent had anything relating to that. Can someone take a look at this for me please!

13th July 2006
Acount xx
Dear Miss xx

Thank you for your letter of 27th June 2006

We consider that our charges are fair, reasonable and compliant with all applicable laws and regulations. We are also committed to ensuring the transparency of the information that we give to our customers about the operation of products.

We have considered the Office of Fair Trading's statement of 5 April 2006 and do not accept its findings in relation to the setting of credit card fees.

It follows that we do not agree with the assertations made in your letter.

Yours Sincerely
(another real signature!)
Gill Skarott
Senior Customer Advisor
Customer Care Team

HELP! I have already been keeping to my timetable, I sent the letters out of the library etc. Any advice would be most gratefully accepted.

**dolly** · 18th July 2006 15:48

It is a standard letter telling you they are not refunding you, as most banks and credit card companies do...nothing unusual at all about it

If that was in response to your prelim letter, you now send the lba icon

and when you get no joy from that, issue moneyclaim.

**BaldyBaldwin** · 18th July 2006 21:20

evening bowkett
have just got in ,after spending 12 hours in a 100 degrees sweat box( a london taxi by any other name)
It seems to me that because they are proberly snowed under with requests for refunds they are not able to keep up with our reasonable time scales,and our letters are crossing in the post.
dont be put off by the content of there responce, if you received a reply agreeing with you prelim letter, that would be nothing short of an admission of guilt in writing; and we are never going to get that.As they seemed to have laid out there side of the case you could proberly go straight to money claim, but some might say wait for the 14 days from lba icon

just to be resonable, its your call.

my attitude to all this is i will not take a backward step after the way the banks have treated me, who dares wins and all that.

once again good luck, and i will let you know when i recieve something

regards kevluff

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