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Robbersway for HPH2 chasing old Tesco Credit card 'debt'


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Your good advice please.

 

I received a letter from a DCA titled a’ pre-legal assessment’ on an old credit card debt that the DCA have recently acquired.

I suspected this could be nearing SB

 

I checked my credit file and discovered that there is no information about this account on my file prior to May this year!

 

As they are are using the usual vague language i,e, ‘may’, 'being considered’, should I bother to respond to this or should I CCA them or other?

Who’s responsibility is it to insure the information on a credit file is accurate and up to date?

 

Would the OC remove this info or what could have happened?

 

It’s all a bit odd and I’m not sure how to respond if at all to the DCA.

 

Regards

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What type of debt e.g catalogue, credit card ?

 

How many years ago did you take out the original account ?

 

Roughly when did you last make a payment or send written acknowledgement ?

 

Nothing on credit report prior to May. Has DCA added this debt to your report ?

 

Normally original creditor adds debt default and any subsequent debt owners update with their details. Sometimes in error the OC does not add default or it gets removed when it is in process of being transfered.

 

You don't need to respond to a DCA, following one letter.

We could do with some help from you.

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Is this related to MBNA or another debt ?

 

You posted about an MBNA debt over 2 years ago,

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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I wouldnt respond at all, they are clearly fishing with very limited bait. If they come back with a proper LBA then you send a CCA request and that will keep them busy or knock it on the head completely. As they are acting on behalf of someone else they will probably go away after another letter with more scary promises of doom and gloom.

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  • 4 weeks later...

Good morning,

received LBA yesterday (5th)threatening court action if I don’t contact within 10 day of date of letter (29th Sept!) so need to act today!

 

I’ve had a dig around on my CF and found that my last recorded payment was in September 2010!

Cant find any other record of payments.

 

The account default date is 15th Oct 2010.

Should I send CCA request off today then do a bit more research to see if this accounts now SB?

or just go straight in with SB?

 

Sorry just seen the earlier posts by unclebulgaria

 

1, Credit card

2, 2009

3, Oct 2010

4, Not sure but it seems that way.

Very little info on CF.

Checked a couple and found some payment made up and including September 2010.

On on other CF default date and amount noted with date of account started.

 

No it not MBNA

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So what card is it then?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so most prob SB'd then

 

pers i'd do nothing yet.

 

the letters are designed to make you panic and respond

 

don't!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I’ve sent a CCA request off to the Sols and DCA this morning.

 

Think I’ll SAR the OC as well see whats what as there is little or no payment history on my CF. Your good advice would be very welcome.

 

Ah typical just read you message!! I thought it best as Ive had a letter from DCA sols and didn’t want to risk court action :-(

 

Trouble is I don’t know if it SB as there is no payment history on my credit file after Oct 2010 and I have no record of having made any paymens to this account.

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why not ring Tesco's and ask?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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urm..if it s raining in outer Mongolia..???

 

 

what info do you need to know......post 12?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Only applies to dca's

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 months later...

I’ve finally received a letter from DCA with a recon CCA and a simple statement from OC (Tesco).

 

This alleged debt is not on my credit file.

 

They are asking for payment of course and threatening court action if nothing is forthcoming from me.

 

They have given me 30 day to respond.

Your good advice would be appreciated.

 

Sorry should have added that according the ‘account statement, it’s not SB.

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scan up all they have sent to ONE multipage PDF please

 

 

follow the upload

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so its not statute barred

and was an online agreement?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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what other letters have you had discount ones?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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