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!

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

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?

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

Hi, I've been trawling through all my old bank statements and I cant find and payment to Tesco in respect of this account within the last 6 years! Is it worth sending an SAR to Tesco?

Ring tesco bank and ask

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?

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?

I've never paid a DCA by BG.

I'll get Tesco to investigate.

It's a bit Odd.

I posted my response to the loc on the 15th Oct.

As yet no reply to it or my CCA request.

How long should I add for post?

What are the consequences (if any) for them if they don't respond in time?

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

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!!!

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.

oh well that's their problem.

going by the docs they have sent recently

are they the same as the PDF earlier in this thread?

looking at the statements it puzzles me why they have offered a 50% discount before when clearly there appears to no mass penalty charges and no mention? of PPI

though strangely those statements are just a tally sheet note each card statement.

why don't you send Tesco an sar

its free now.

might reveal something.

Thanks DX, I don't get it either! I'll SAR Tesco as you say see if it throws any light on the affair. Yes docs as per post 19.

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. 

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.

did you send a cca request with the reply form?

dx

No as I assumed the docs I requested covered it as I requested the agreement.

ok well you did one in nov 18 .

lets see where things go.

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!

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

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. 

over 6yrs old stuff does not show.

dx

Thanks DX......Nothing in the post today. Is this debt now SB? Last payment from me received by Tesco 9th July 2013.