Hi I tried to claim PPI from a Tesco credit card in 2012 I was rejected and didn’t take it to a ombudsman..

Defaulted 2009 and was paying £50 a month for a no of years. Then I dropped it to £1 per month in 2016. As I came out of work. Owe around £4000. But never upped the £1 pcm.

Had a CCA off them in 2016 but they’ve never chased for extra money only have a odd random text saying call as my arrangement has expired.

Fast foward to Sept 2017 I re applied for PPI under Plevin and have been offered some money however they want to take it off the debt.

Are they allowed to do this?

The acceptance forms says

By signing this form I confirm that this offer is rightfully mine.

I am aware this payment will be credited against any outstanding arrears on my credit card account within 28 days of

receipt off this acceptance form.

By accepting this refund. I confirm that any unfair relationship created between me and Tesco bank as a result of

undisclosed high commission or otherwise has been rectified and that this refund is made in full and final settlement

of any claim and complaint made by me against Tesco bank arising out of or in a connection with the sale of PPI

How much will it reduce the balance by?

Your credit file should be clear of this now, when did you take it out?

ANd are you happy that the CCA they sent is enforceable?

I don’t know if it’s enforcable. It will be £1600 off the balance.

However I was self employed and on the original rejected Ppi claim they said it would still ha e paid me on unemployment.

After I had SAR last yearI did go to FOS last year but it was too late. There is no way it would have paid me out.

I don’t mind the debt being reduced but that money would have come in handy. Is there anyway around this even half to debt and half to me.

This debt was never on my credit file after I went into a DMP in 2009

Yes they can offset

So just sign the form and send back then is it? If there’s nothing else I can do

do Tesco's still own the debt

Yes they do.

then they can sadly do what they like

dx

That’s fine. I’ll get it sent off today. Thought I’d ask first to be sure. Cos you lot are in the know.

Thank you

Just had a letter concerning this debt off a company called intrum seems likes they bought this back in Oct. and are now chasing payment.

I have been paying Tesco £1 per month for around 3 years. Before this I was paying 50.

The debt is now around £1500

Do I send CCA to intrum and stop payments with standing order to Tesco.

Ive just noticed intrum have done a search on my credit file too

Cca yes

Have you actually received a Notice of Assignment from Tesco/Intrum...is that the letter you refer to ?

Andy

I had a letter from intrum with another letter in from Tesco. Nothing from Tesco themselves. Shall I upload it

Here’s letter

Just checked credit report Tesco agreement came off in Feb 2016.

Although I wasn’t paying in full this was never defaulted by Tesco.

Account opened in 2003.

just dug this out of SAR received in 2016

CCA Tesco

Intrum.pdf

Tesco CCA (1).pdf

that's an application form that doesn't have all the requited prescribed terms etc.

wheres the rest of it

and did that come from intrum?

No that was from Tesco cca request 2016 not sar What else do you need??

Not heard back from intrum in response to CCA request. But have received 2 further letters chasing debt.

Checked with Royal Mail. It’s saying we’ve got it but no signature from other party letter was sent on 8th Feb.

think I’ll send them email with copy of letter 

No!!

The only problem is on Royal Mail track and trace doesn’t seem if they’ve received my letter.

Emailed Royal Mail  this was response 

Thank you for your email.

I’m sorry the Royal Mail Signed For item you posted hasn’t been received and can fully understand your concerns.

Every item of mail is important to us and we typically pride ourselves on high levels of service, so I’m very sorry we appear to have let you down on this occasion.

Although Royal Mail Signed For items have tracking numbers, they travel with normal mail. They aren’t tracked or treated separately and are only tracked once delivery has been attempted. This means tracking details only show on our website at the point we attempt to deliver the item and not as it travels through our network. More information can be found at www.royalmail.com/signedfor 

I’m really sorry, as it is now more than 10 working days after the expected delivery date, I’d advise you to submit a claim for the loss of the item. The form will provide all the information required to deal with your complaint and help us make improvements to our services. The quickest and easiest way to submit a claim is online atwww.royalmail.com/claims 

For any important, time sensitive and/ or valuable items I recommend our Special Delivery Guaranteed service, which allows you to fully track your item as it travels through our network and on to delivery. More information can be found atwww.royalmail.com/specialdelivery 

Thank you for taking the time to report this to us and once again, please accept my sincere apologies. If you need further help, please visit our Help and Support Centre on our website atwww.royalmail.com/help
 

Ok. 

Thought id be better following it as I know it doesn’t look like they’ve received it 

You never chase a legal request

Waste of time using recorded

Dca do not sign on purpose

Just thought I’d update.. heard nothing at all from these 

Well well I have just received the CCA. 

In there are also are statements from Feb 09 to Feb 10 

then statement from jan 19. 

Do i I need to make payment  

intrum aug 19.pdf

scan it all up to ONEPDF FILE

don't need the statements bar one for example please too

dx

Here goes Feb 2009 stat and jan 2019

Tesco stat.pdf

you old uploads are not available

is this the same as Tesco sent?

dx