As expected, continual harassment from Intrum with phone messages left virtually every day. After their first letter "We may take legal action if you don't get in touch", their second letter says the following: We're thinking of taking you to court We don't want to. But, if you don't get in touch soon, we'll pass your account to our legal team. They'll consider applying for a County Court Judgment, which could make it harder for you to borrow money in the future. They may also add court fees of £105.00 and solicitors costs of £80.00 to your balance. It doesn't need

I don't have all the statements. I have most of them from 2010 but only a few before that. I'll send a CCA request. Tesco stopped charging interest when the account terminated in 2008. I never had PPI or anything like that on the account.

Hi All Tesco Credit Card taken out in 2004 and got into difficulties 2007/08 Been gradually repaying debt since then Last 4 years been paying £50/month Current balance circa £2,500 Went through I&E with Tesco in January and agreed £50/month for next 12 months Tesco letter and Intrum letter came together in one envelope from Intrum last week Per Noddle, Intrum have done a search Tesco letter says: "If you have an active repayment plan in place, and your circumstances haven't changed, you can continue to pay off your balance as you are now, but paying Intrum UK Fina