Tesco credit card, judgement entered.. **PAID IN FULL**

[blackrain]

Hi bowkett, I issued a warrant of execution against Amex on 14th August. It has been issued and sent to Worthing court but nothing else has happened yet. Apparently it can take weeks for it to be executed. I really want to go down to Brighton and watch the bailiffs try to get in! Good luck I hope you get the warrant issued.

[bowkett]

Thanks Blackrain, I would love to watch too, I think it would be rather entertaining! Let me know what happens!

[BernardsGF]

Hi Bowkett....sorry to intrude.

 

Am I right in thinking that you also used the PO Box for Tescos? I used the PO box address on MCOL and they didnt bother to respond so I have won by default I presume.

 

Do I have to sit back and wait for the cheque or have I made a bit of a pigs ear of it all by using the PO BOX number? It says something on MCOL about not being able to issue a warrant to a PO box number.

 

Do you think this is why I've not heard anything?

[bowkett]

Hi BernardsGF, not a problem! I did use the PO box address, seems that it could be a sticky point. If you have read Kevluffs thread his local court wouldnt let him use the PO box address, mine didnt bat an eyelid. Same goes for when I asked for judgement, not a blink at the address. I presume you have requested a judgement? Anyway, I issued a claim agaisnt Abbey National with a PO box address and I am at AQ stage so its really no excuse as far as I am concerned. I used the address at the top of my sod off letter from Tesco, and also it is the address you would send postal payments to so you cant tell me they dont pick up the post! They responded to my initial LBA from the address. I will keep you posted on how things go at court tomorrow, they may well decide to tell me they buggered up and shouldnt have let me used the PO box! I am intending to take along the address Michael Browne posted in kevluffs thread just in case. They can run but they cant hide

[BernardsGF]

Hi BernardsGF, not a problem! I did use the PO box address, seems that it could be a sticky point. If you have read Kevluffs thread his local court wouldnt let him use the PO box address, mine didnt bat an eyelid. Same goes for when I asked for judgement, not a blink at the address. I presume you have requested a judgement? Anyway, I issued a claim agaisnt Abbey National with a PO box address and I am at AQ stage so its really no excuse as far as I am concerned. I used the address at the top of my sod off letter from Tesco, and also it is the address you would send postal payments to so you cant tell me they dont pick up the post! They responded to my initial LBA from the address. I will keep you posted on how things go at court tomorrow, they may well decide to tell me they buggered up and shouldnt have let me used the PO box! I am intending to take along the address Michael Browne posted in kevluffs thread just in case. They can run but they cant hide

 

Hi......yeah they responded to my LBA letter too from that address so really they have no excuses. Yes I have filed for judgement and that all went through ok.

Good luck at the court tomorrow ....I will keep a beady eye on this thread

[BaldyBaldwin]

are you sending the boys in today?? this conjures up images of 20 stone, shaven headed men in black leather jackets holding up tescos weaselly little managers by the ankles and demanding your dosh, but of course, in reality, it will be nothing like that; but we can live in hope. i am not far behind you, so,

as always, best of luck

[BaldyBaldwin]

have just recieved intention to defend from tescos, just in case anyone needs it this is the address they used;

royal bank of scotland plc

group litigation

1 princes st.

london

ec2r 8 pb

[angry cat]

Hi kevinlufflum- Yes of course! the Tesco Credit Card is run by the Royal Bank of Scotland!! I believe it is called an affiliate credit card. Anyhow, the Tesco Credit Card was set up as a Tesco/RBS joint venture. You may well find some insite/help by looking on the Royal Bank of Scotland forum. Good Luck to you and Keep the Faith!!! AC

[bowkett]

Applied for the warrant, so waiting for the big boys to go in now.

 

 

Bernardsgf, the court let me put the alternative address on the warrant form so the po box address isnt an issue if you go to the court and fill in the forms manually. They told me it didnt matter that this wasnt the address I issued the claim against, nor the one I served judgement on. Should be about 15 days before I here anything back now so I can sit and wait! Wish I could go and watch

[bowkett]

woo hoo, cheque this morning, registered post. Bit late cause in same post came back my receipt from court to say baliff on his way in. So I need to call them up and let them know this can only be part payment as there are now additional costs and int!!! he he he serves them right for ignoring me dont it. I will post full details of the requets they make in the letter later (silly me left it on my desk at work didnt I) Off the top of my head they want an agreement to not disclose details, thats a big fat no, and that it is not an admition of blame, dont care about that, but they also want me to ask court for set aside of judgement? I didnt understand that bit. Will post full details tomorrow. And, of course, make a donation

[bowkett]

Right, here is the info extracted from the letter just in case it is useful to anyone:

 

Amount warrant issued for: £257.23

 

Tesco sent a cheque for £201.15

 

"The sum is paid in full and final settlement of your claim. Please also note that payment is made with no admission of liability and is subject to your agreement not to court publicity, or disclose or refer to any third party the background to this matter, and to keep the terms of this settlement strictly private (oops, bit late for that eh!) and confidential.

We would also ask that you now write to the Court confirming that monies have been received; all legal proceedings have been cancelled and that you agree to the setting aside of the court judgement. Two copies attached blah blah send one back etc etc."

 

Called the Lady on my letter and she was very nice. Told her that until cheque clears I cant do anything as I dont actually have the money do I, also told her about baliffs and the extra money now payable due to costs. Said she was going to get a cheque raised so fingers crossed!

[BaldyBaldwin]

well done you clever old hector, i have had a hard week, kids back from uni, and driving me to drink, so tonight i shall be raising a glass to you, should be a laugh as i dont drink.

who are you turning the turret on next?

[bowkett]

well, I think it will be Lloyds TSB, a bank account and old credit card. Still ongoing with my Abbey claim, AQ went back on the 7th September so just waiting for a hearing now. I like to idea of contractual interest that you mentioned somewhere else before so I think I will be keeping an eye on you!! Which claim is it?

My kids arent quite as old as yours, back at school now so it isnt too bad, dont they start back at Uni next week? Or have they finished and come home to spend your bank charge refund!!!

[Bookworm]

Right, here is the info extracted from the letter just in case it is useful to anyone:

 

Amount warrant issued for: £257.23

 

Tesco sent a cheque for £201.15

 

"The sum is paid in full and final settlement of your claim. Please also note that payment is made with no admission of liability and is subject to your agreement not to court publicity, or disclose or refer to any third party the background to this matter, and to keep the terms of this settlement strictly private (oops, bit late for that eh!) and confidential.

We would also ask that you now write to the Court confirming that monies have been received; all legal proceedings have been cancelled and that you agree to the setting aside of the court judgement. Two copies attached blah blah send one back etc etc."

 

Called the Lady on my letter and she was very nice. Told her that until cheque clears I cant do anything as I dont actually have the money do I, also told her about baliffs and the extra money now payable due to costs. Said she was going to get a cheque raised so fingers crossed!

 

I suggest you also call back and tell them they can whistle for confidentiality. Your money, your claim, how dare they put a condition on it?

 

Be careful, if you cash the money as is, you are from now bound by the terms, so you need to act quickly or you could be in breach of the agreement and liable to repay the monies and further costs.

[bowkett]

Hi Bookworm,

 

Yes, I have written to them letting them know I accept the cheque in part payment and that I do not accept their conditions, I will only write to the court to stop proceedings on receipt of cleared funds for the full amount, and that only then will I agree to the removal of the CCJ.

I did tell the lady I spoke to that I didnt agree to the terms and she didnt have a problem with it.

Thanks Bookworm

[BernardsGF]

Well done Bowkett! I filled judgement on the 27th August so hopefully my cheque shouldnt be too far behind yours. I've not heared a peep from them at all yet. Do you think its worth issuing the warrant? Or should I give it a time limit of a month or so. it sounds like they had already sent your cheque before the warrant was issued?

Anyway well done. This thread has kept me positive so far. I may even have a go at GE capital for my mum once the Tesco cheque has been received!

[bowkett]

Hi BernardsGF, have you had something back from the court since you applied for judgement?? I applied for the warrant just over a week after getting the default judgement. The warrant was issued on the same day as they sent the cheque, they didnt even know about the warrant until I rang them to thank them for the cheque! If you want the number I have to call them and ask them to pay up before you issue a warrant then just say so, it may make things move a little quicker for you. I dont think they communicate very well between departments!!

[bowkett]

Full settlement received today, woo hoo. Unconditional too

[BernardsGF]

Hi Bowkett. I dont think I have received anything at all yet from the court re judgement. I will have to go check my vast amounts of paperwork.

 

How long was it after you filed for judgment until you received any correspondance from them?

 

I've still not heard a sausage!

[bowkett]

Hi BernardsGF, sorry about the delay in responding! I heard from Tesco the exact same day I got my warrant back from the court, so they didnt pay up because of the bailiffs really. It works out at about 12 days from me obtaining judgement to getting a cheque from Tesco. If you want the contact name and number I have at Tesco just ask, if you have a judgement by default you should be getting a cheque anytime soon.

[Bookworm]

Hey, sorry I missed this 3 days ago!

 

CONGRATULATIONS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[bowkett]

Thanks Bookworm, did you change my thread too?? Thanks again if you did!!

[Bookworm]

I did, yes. Well, we don't want this to go unnoticed, now, do we?

[bowkett]

No we dont!!! Glad to be able to say I have now made my first donation

 

Woo hoo, couldnt have done it without the help of this site and I am so grateful, hopefully there will be more to follow as I claw back the charges from other lenders

[Bookworm]

Yeah, baby, yeah.