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 Finance Limited instead of us. You will need to take action and update you payment details to redirect your payments to Intrum UK Finance Limited."
Intrum letter says: "We understand that you've already agreed a repayment plan with Tesco Personal Finance Plc. We want you to continue this agreement with us so we ask you contact us in the next 30 days to make arrangements to do this. If it's affordable we're happy to accept the same arrangement you had with Tesco Personal Finance Plc."
What propose doing is pay £50/month to Intrum for next 4 years until debt is paid off.
What I don't propose doing is communicate with Intrum.
Question - can Intrum force me to go through I&E or any other form of communication with them?
I'd appreciate any advice on how I should proceed.