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Robbersway for HPH2 chasing old Tesco Credit card 'debt'


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Hi dx, yes thats what they have sent with the letter.

 

Is there a statutory requirement of time for the lender to give before defaulting the account i.e. three months arrears and should this be stated in the terms and conditions? Hope that makes sense!

Edited by dx100uk
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pes I wouldnt worry too much

just do as that post 4 states.

 

not sure what date the default was plays any part here that's immaterial to the SB date

if that's why you are asking

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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Hi dx thanks for the link.

 

The reason I was asking about the default is from the documents I have it seems as if the OC gave very little time between arrears accruing and issuing a default.

 

From what I can work out I was less than a month in arrears and the default amount is more than I was in arrears.

 

Also there is no mention on the T&C's (they are part of a application form not the agreement) about how long they are supposed to give if you slip in to arrears, only a broad comment of 30 days notice (min) to terminate.

 

Just seemed a bit odd that they defaulted the account so quickly and for such a small amount. I wondered if there are not strict rules that applied to defaults?

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As long as they gave a clear 14 days notice before registering the default thats ok sadly

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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Ring tesco bank 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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Share on other sites

Hi DX. Phoned Tesco.

Last payment made mid 2013.

I cant find any record of this payment.

They say probably Bank Giro!!!

I never pay anything by bank giro!

They say they can investigate.

Should I bother at this stage?

Edited by dx100uk
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yes let them investigate

if its BG then I suspect it was a panic payment made using the tear-off strip on the bottom of most DCA's letters when you knew no better?

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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Share on other sites

  • 1 month later...

well you are not paying anything to any of them are you?

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... 

Link to post
Share on other sites

Received a response to my CCA request from Robbers Way, it included a 'statement of account' plus what looks like an application form (not completed) and 'signature copy' of an agreement'.

 

The agreement has my name and address but no signature just a tick box (checked).

No reference in Robbers Way's letter to my reply to Howard Cohen's LoC..

No response from Howard Cohen re the LoC either although I seem to have most of the info I requested other that any Default notice.

 

I have also received a letter from Hoist Finance that included a new NoA because they had "identified" the original as "inaccurate,"

I'm not sure Robbers Way are up to speed with PAP!!!

Edited by dx100uk
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Good morning, I responded to Howard Cohen re the LOC mid October but as yet I have not had any response from them.

 

As per my last post I have had a response from RW (the DCA) with regard to my cca request.

AS Howard Cohen issued the LOC and asked me to respond to them directly (which I did) I expected a response from them?

As yet I have not received all the documents I requested.

Edited by dx100uk
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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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Share on other sites

  • 5 months later...

Received another LOC from HC&co,sols today re this alleged debt.

Not sure why they've sent out another one!

 

My last payment on this account was mid 2013 might be why they are pushing it now.

Shall I respond as before and request the same info?

As yet I've not had a DN from them. 

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  • 1 month later...

Hi, I have now received a reply to my response to the LOC.

It say they have acknowledged my request for documentation and that my account is now on hold.

 

The letter stated that they will give me 'time' to respond once I receive the documents I've requested.

I've requested the DN, statements, signed agreement and NoA. 

 

Should I send CCA request to the debt owner or is this covered by my LoC reply?

 

Thanks.

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did you send a cca request with the reply form?

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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Share on other sites

ok well you did one in nov 18 .

lets see where things go.

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... 

Link to post
Share on other sites

  • 2 weeks later...

Not heard anything from from HC.

My last payment to Tesco was taken on 2nd July 2013 although Tesco's statement shows money credited on the 9th July 2013.

 

I've checked MCOL and can't see anything thing on there.

MCOL is a bit vague but am I right in thinking that if HC had issued a claim I would be able to see it on my home page?

If they hadn't done so by the 10th am I also right in thinking this alleged debt is now statute barred?

This has been going on for so long I don't wan't to get my hopes up!

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How can you check MCOL without a claim being issued or a claim number ?

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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I am able to log in to MCOL using my gateway password.

I had a claim issued against me back in 2014 for another debt that is now stayed.

 

When I log in it takes me to a homepage, it says that I should be able to view any claims issued against me.

The 2014 claim has been removed as it's now over 3 years old. 

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over 6yrs old stuff does not show.

 

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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Share on other sites

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