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About banksdomyheadin

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  1. LOL! How much do they usually buy these for, is it say 30% of the alleged debt?
  2. Afternoon All, Just had this delivered from Intrum, Lilly Chan in their "Legal Dept" a reduced offer by 40%, thought they were going down the Bankruptcy route. They did look at my credit file last week.intrumoffer.pdf I take it I just continue to ignore them?
  3. thank you, the Tesco debt went off my credit files years and years ago, does that affect my credit rating? Also sorry to be a pain, what do you think their next move will be, will they head for the bankruptcy route. If so my defence will be no signed CCA agreement or evidence with Tesco anyway?
  4. Hi All, I have been receiving letters off Intrum every two weeks threatening me with Bankruptcy but nothing official yet. However today I viewed my CreditKarma account and note they have made a hard search here on January 29th, how are they allowed to do that ? Is it allowed? Do they see everything I see? What will they use this for please?
  5. Morning All. Received this letter today can they really do this? intrum thinking about an.pdf
  6. I thought I had to keep paying the £5 a month after the default. I know Tesco have now sold the debt to these Parasites but what next do I just ignore everything they send, do I stop the £5 a month to Tesco, what can happen if anything legally? I have a few like this all years old, all defaulted years ago, no longer on our credit files...? The only one that ever went to Court was my LLoyds TSB CC, which the Judge agreed we pay £41 a month. The rest have never gone to court but all defaulted.
  7. Hi All, I have had three letters since saying get in touch, fourth letter arrived today saying..... We may take legal action if you don't get in touch. We'd really like to help you pay back the money you owe us. But if we don't hear from you, we can't help you. And we may take legal action that could affect your credit score. I thought if an account, whether sold on or not once defaulted cannot be defaulted again. I thought also they cannot put adverse information on my credit file as this has all past six years? I a
  8. Sorry about that dx100uk, I didn't realise. Andyorch - I cannot remember or have a copy of the £5 a month repayment agreement. I have just gone through letters and found the default notice from 2007. I have had a series of letters over the last 3 years saying I needed to fill in an I & E form as £5 is not enough and they will CCJ me if I don't. I have complained -I have had apologies. The default or any other records have not been on any of my credit files for the last 3 years at least.
  9. Hi All, Got defaulted on a Tesco CC many years ago. Have been paying them £5 a month for around 11 years, still owe £6K. Had Intrum take over this year calling me all the time. kept paying Tesco but in February this year sent Intrum a request for my original CCA, letter attached. Received a reply back from them on October 3rd, see attached. Just want advice on how to reply to them as they have just sent me a completely new set of Tesco T & C's, telling me I had 2 weeks to respond or accept these? Intrum reply.pdf
  10. Thanks DX100UK & Andyorch, I will leave the bear alone
  11. So it's 5 years now since they said they were taking us to Court and we sent in the N9 form. Can I not ask the Court what happened with their claim ?
  12. Oh right thanks. So can they have this "stayed" for unlimited years, so it just hangs over us for life?
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