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About Scunci

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  1. Thanks, will do! will let you know how I get on, and should I still ask for a SAR?
  2. There seems to be some grey areas with the Rankine v American Express finding, I am not sure what to do next, should I go for an SAR to see what they have on file as they seem to be implying that they do not have the account anymore, but it is Tesco that are harassing me, even though they have now agreed to accept my offer of £10.00 per month which I can ill afford, they have now started ringing me again, twice this evening, once yesterday, I do not answer their calls but I have put their name on my phone so I know its them. Advice would be appreciat
  3. Here is the letter, I apologise for the quality, if any problems I will do again tomorrow after changing toner.[ATTACH=CONFIG]54586[/ATTACH]
  4. Hi Guys, I know it has been a while but I did send 1 £1.00 postal order to Tesco for a CCA, I have just had the £1.00 postal returned along with a letter stating: Consumer Credit Act 1974, then my name, followed by: Thank you for your requesting personal data held by Tesco bank. Unfortunately, we're unable to provide the information requested as the account is now closed. Under the Consumer Credit Act 1974 Sections 78 we have a duty to give information only to a debtor under a running-account credit agreement. We have enclosed the cheque provi
  5. Ok, I will try this, I did fill out the form and it actually said I should be paying less to each of my four creditors than I am, Tesco's was only to receive 4.00 per month and I am currently paying them 10.00 and I have been completely honest on the form and can prove everything, I did try to save it and download it but for some reason it did not work, I will now have to attempt it again tomorrow as running out of time now, Tesco's have just rang me again, I did not answer but have saved their number into my phone so I know its them.
  6. It is an option, but it appears that I have a choice whether to declare it or not, they state that declaring it shows that at least I have considered the option, there is now way I would consider selling my house that I have worked hard for to clear this matter up, so by not showing it on the form I would assume that it would mean to me this is not an option?
  7. I have gone onto the National Debt Line and part of the form asks about your assets, property, I do have a house with equity in it but I do not want to thave to sell my house to pay off this debt!, what do I put down please? my mortgage is approx 180k, my house value would be approx 260k, this is how the section on the form is : Assets are things like savings or the value of property, such as your home or car. Creditors will not usually expect you to sell these to pay off your debts but it is a good idea to show that you have at least considered whether this is an op
  8. Thank you Stigman and dx100 for your replies, much appreciated, apologies for late reply but there was a power cut in my village last night and then the internet was down until today. The credit card with Tesco's goes back years, maybe ten, twelve or more, the debt is still with them, they have not yet passed it on to a DCA, I have found that Tesco's like dealing with their own debt collection and tend to be bully boys when going about this kind of business, I do speak from experience as having been involved with commercial debt for over forty years and even having
  9. I am hoping for some sound advice please as I am going through a continued difficult time since losing my job five years ago and finding myself out of work for the first time in 38 years, luckily I managed to get a job two years ago but it is only part time (14 days a month) and just about covers my essential bills, mortgage, gas/electric, fares, council tax, tv, broadband + phone, I do need my broad band and phone as when I am not at my part time job I am still trying to get full time work although as now approaching sixty am finding it almost impossib
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