The letter is not a default notice, all they say is that as l am in arrears they are required by the CCA to issue a notice every 6 months?? I am in not in arrears of the Tomlin Order and never have been. In the letter they make no mention of any section of the CCA, l think they are taking the p*** big time and trying it on. I don't know if they are in breach at all?? Cups

Thanks SP, v interesting reading!!

Hi Sounds like they have themselves in a right state! As far as l am aware they cannot now default you as it is all subject to a court order. I think that Tesco Bank are now a single entity having taken over their 'joint' status from RBS and as such they are trying to get on our credit files by claiming a default on their own names!! It is all very sly and underhand and l think immoral, l am going to write a very stern letter this week of complaint and l will not put up with it, please do the same. If anyone out there has any other ideas, or can offer an alternative reasoning behind their behaviour then let me know. Cups

Hi SP Yes l think l will, just wondered about the issue of the notice under the CCA, l did not think there was anything they could do?? Especially as they do not list a section of the CCA? I will fire off a letter next week Thanks

Hi I made a complaint but got nowhere with it, app Tesco Bank are entitled to send spurious letters as a mistake and it doesn't matter! Well today l have received a letter saying we are 'serving you a notice under the consumer credit act as your account is in arrears' ?? I have read the notice 3 times,, no act and section quoted at all?? As l have a repayment set by a court the Consumer Credot Act is not applicable is it, such as DNs etc?? I am up to date, not ever missed a payment? Wonder if they are trying to put something my credit file spuriously? Is there an section of the CCA they can do this under, if there was l would have thought they would quote it? Any advice appreciated before l fire off a volley of shots across their bough!! Cups

Well done, nice to hear you have had a well deserved success, Cups

Got a letter about my complaint that said sorry but there is no complaint to investigate?? I am going to write to someone higher up the food chain on the basis that for over a month they write numerous letters to me that were all a mistake? Come on Tesco, every little helps!!

Yes l agree, but having dealt with them twice before they will continue until you go elsewhere, Just from my experience of them. Cups

I decided to call Tesco Bank about the letters. It is all a big mistake during the takeover of business? I have lodged a complaint, will wait to see what that brings. Thanks for everything Cups

Hi If you discover that the debt is statute barred then complain to the Solicitors Regulatory Authority about Weightmans. They continually write to people and threaten them when they have never checked the facts. Equidebt are using them to try and scare people into paying up on unenforceable debts. Cups

Hi Dug out the Tomlin Order, it is signed for 'on and behalf of Tesco Personal Finance Limited' , which is what is now the Tesco Bank. They seem to have lost the 'documentation' on this one? Just going to check the balance, they may have that wrong as well. Glad l have kept everything, think a letter about stress may be coming on. Cups

Hi Tomlin Order was in April 2009 so will send a copy to them next week. Cups

Just to add my two pennies worth! Why as a solicitor would you not use some small amount of 'due diligence' in putting your name on a letter? Why would you ever not want to ensure that at some future you were not 'professionally embarrassed' by letters sent with your name on? Quite clearly a solicitor is only ever allowing his name to be used for the money? Why else would you do it? I have found that once you let the SRA know about questionable behaviour by a solicitor that they generally leave you alone. I suppose you always have the offence of 'Fraud by false representation' Cups

Thank you both very much for your help. I have already written back about the order, but l will send another letter and enclose a copy of the order. I will keep up the payments as well. I haven't changed my standing order, but they must be getting the payments or RBS are keeping them? Will do that all on Monday Cups

Hi I will try and keep this short. About 2 years ago l agreed to a Tomlin Order on a Tesco Loan, this was actually with RBS. The DJ ordered it, and it was all signed and sorted. I pay every month, never missed a payment. Now just got a letter the other day from Tesco Bank saying that 'despite previous letters l have failed to contact them'. That is incorrect as this is the first ever letter. Anyway l wrote to them saying there is a Tomlin Order in place so stop harassing me. I have now today received a Formal Demand that is dated 9th September, giving me 7 days to pay!! Am l right in thinking that RBS have sold the Tesco Loan Debt to Tesco Bank and decided not to tell them about the Tomlin Order?? Can Tesco Bank do anything?? It all seems incredibly unprofessional on both their parts, not surprised by that. I have all the corries from court etc. Any ideas on anything else that l can do? Thanks Cips

Hi They will tell you they put the App form sticker on agreements, maybe ask for a copy of a sticker that says 'agreement' on it??? Cups

Hi If DCA's did not lie and bully us and acted with some degree of compassion then people would not be on here!! There is a need which is why the CAG is a success, l think anybody looking for advice should take it as that and not as gospel, we are adults and we can make up our own minds. Cups

Hi Go outside and get his name and tell him any further visits will constitute a 'course of conduct' under the Harassment Act! If he has not made an appt he has lied to you!! Cups

Yes, except Judges pay nothing at all for their pensions, it is non contributory and is not subject to any adjustment, as my MP told me that Judges are in a completely different 'pot' to the rest of the Public Service Pension pot so they are ok and not being reformed!!!! That is a fact, they are left well alone by the Govt!!

They probably think if they write something down twice, click their heels together and turn around three times a credit agreement will appear!! Good Luck

Yes, will not get a reply though, thinking of swearing a warrant for 1st instance harrassment, they are losers!!

Hi Just having a giggle to myself at Link Outsourcing. I had an ansaphone message a couple of nights ago and against my better judgement l called to reiterate that l would not take any calls but to write to me. A young man who's name l have said that was no problem. So last night there was another call so l called for a second time. The man l just spoke to got very irate when l quoted Harrison and harassment, ' well what's that got to do with you ' he shouted at me. He then lied and said they had written to me lately, they have not written to me at all! I did write last year and said take my number off your system but they seem to have ignored me. They seem to have not learned from the criticisms in that case, what a bunch of losers!!! Won't call again! Cups

Hi Think you could be right about the Claimant, seems a rather pointless thing to take you to court if you have no assets for them to try and secure against the debt. At least it is over though and worked out for you in the end. Cups x

Hi Just read that Cabot in the raw data are asking for the app form from the OC, they will say that this is a mistake by the person making the request, that in their world application / agreement are the same, and it is a mistake!!! They told me that in court and got away with it!! Cups

Thanks l will do that,