Thread: Lexis200 v Tesco

Hello

I'm currently waiting on an SAR from Tesco, and will also CCA them soon just for clarity.

My issue at the moment is the DN I have.

It's from a while back, when I was setting up payments to them, and before I was aware of my rights, or the fact the notice might be wrong.

Anyway here's the default
http://i508.photobucket.com/albums/s...scodefault.jpg

...and the subsequent termination
http://i508.photobucket.com/albums/s...ermination.jpg

Would I be right in thinking they've been a bit silly with the remedy dates? If so, what's my next step?

Thanks

Lexis

Thanks very much for this alangee - any idea how I should proceed?

I pretty much get the DN stuff when they have it wrong (although I still like confirmation I'm not missing something obvious!), but I don't quite know what to do with the information!

Any help from anyone would be much appreciated

Hi Alan

They have actually terminated the agreement - not long after the remedy date of the DN.

I'm just wondering how to go about telling them they've fouled up, and then what do I do to try and get them to accept just the arrears?

Although I'm resigned to the fact I may end up in court, obviously I'd rather not, so any suggestions are very welcome

Bliddy hell, I wish I had been given these

DN date 24 March - remedy date 7 April = not enough time for even 1st class mail especially as the 24th March was a Saturday

Then they Terminated 3 days after issuing the DN ie 27th March ??

Fantastic

Yep, this one and Lloyds I'm pretty happy about

What I really want though is to use it to get the debt and my CRA file cleared, without going down the court route and asap.

I'm not asking much...

Hi Lexis

I think your next step is to request a SAR and/or a copy of your CCA. If you go for the SAR, and you find there are unlawful charges, this could be another reason that the DN is defective. You should also get a copy of your agreement with the SAR and if that is defective, that should make the DN irrelevant. Collect as much information as you can.

Tesco will not accept that the DN is defective, so you will just be in a to and fro situation if you tell them. If it ever comes to court, the DJ should side with you, and you may be able to make a counter claim for unlawful charges.

If it were me, I would just sit back and collect as much information as I could, so that if it does go to court I am in a good position to contest it.

I have just reread your OP and see that you have already sent for a SAR/CCA.

Alan

Thanks Alan - very helpful info

My only issue is that I could do with not having this hanging over me for ages until they possibly decide to go to court...

After a stupid wait for the SAR it arrived - with only statements and a couple of letters I had written to them

Round 2 ding ding.

Thanks, will do

Hey Underdog

You'd really think it'd be simple wouldn't you

What irks me is that all the information needed to draft these documents correctly appears to be online. I reckon I could knock up a decent credit agreement followed by a watertight DN without too much of an issue, so why the hell can't they when they have the access to all the legal nonce that they do?

Bl**dy banks

Originally Posted by underdog13

Mind you, that said, thank goodness they do make so many mistakes with their DNs

Absolutely, I wouldn't want it to change

Lexis, I know this is an old thread, but can you tell me if Tesco ever did fully comply with your SAR ?