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Tesco/RBS CCA Form Help Please/court papers sent


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I have posted this on another thread as it relates to issues I am having with Incasso, but not sure that wil get as much of a response. Sorry I am new at all of this.

 

I found my original (in a man draw) Customer Credit Agreement which I have asked Incasso for.

 

Can someone have a look at it and see if its enforceable.

 

It is not dated but I took out loan in 2003 time.

 

How do I find out if I actually asked for PPI cover??

 

If any details missing that you need, please ask I can supply.

 

Thanks

 

M

Tesco CCA.pdf

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Today I have returned home to find my CCA request returned with Postal order on basis I didnt sign the request - sounds like rubbish to me? How do I respond? Does this return buy them time or does that 12 days + 2 still apply - I am approx half way through that period now but worried IncaSSO MAY CCJ me at end of month!! PLEASE SOMEONE reply soon!

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Can't help with the agreement but you could send them this letter regarding the signature:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/572-debt-letter-when-company-refuse-cca-due-to-no-signature-

 

When the 12 days run out, put the accoint into dispute anyway

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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  • 2 weeks later...

After a delay from Incasso/Tesco (wanted me to sign CCA request letter) I finally received photocopies from Incasso (who were passed my debt from Tesco) of my signed CCA form, with a rough copy of my PPI leaflet and what seems to be a current statement.

 

Attached to this is my copy of the CCA that I had in my draw and was able to scan this on as its clearer then what they sent me. They state in their quite snotty letter that Tescos should be sending me originals directly and wait to hear from me. Previously they had threatened a CCJ if I didnt increase my payments from £110 to £170odd a month - I just cant afford that.

 

Where do I go from here? Is this debt now enforceable? As extra to this I did also put a complaint in for miss sold PPI cover which Tesco have acknowledged. I have paid over 58% of my total debt to Tesco if I win the miss sold PPI then that would wipe quite a bit more off, but i am worried I will be CCJ'd before that happens.

 

Help - what next?

Tesco CCA.pdf

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Hi, I'm not sure why you want to close this thread down. If it is due to you starting another thread on this matter, I could merge your posts into one thread

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi Moby,

 

I don't think they can CCJ against you because you have a dispute with them regarding mis-sold PPI. If they try to CCJ you, you need to defend that. Reason: mis-sold PPI. Have you got all your statements so you can work out the PPI? If not you can send them a SAR request with £10. Send it recorded. All templates and spreadsheets can be found on this site. They have to respond within 40 days. Don't leave it to them to work out the PPI. You can charge them interest on the PPI. It might wipe out all the debt.

 

http://www.consumeractiongroup.co.uk/resources/templates-library

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I noticed that you posted the CCA above on another thread. If that is the thread in question, i can do the merge.

 

If you are wanting to include this thread with another (but different) company then it's best to leave this running

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Try this

 

http://www.consumeractiongroup.co.uk/resources/templates-library/48-bank-templates/118-interest-calculation-spreadsheets

 

With regards to the CCA, I've had a quick glance, every thing looks o.k., no signatures, was it done online?

I'm thinking along the lines that, the PPI plus contractual interest should cover the debt, concentrate on that rather then the CCA. Recent cases have made it more

difficult to prove unenforceability.

 

Have a read of this online guide:- http://www.consumerwiki.co.uk/index.php/Guide_to_reclaiming_bank_charges

 

 

You need the Advance calculator, you charging them Interest at the current contractual rate.

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two threads merged

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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thanks for the advice - the CCA I have on here is my copy that I had since 2003, the copy they sent me was a photocopy of their version with my signature and theirs - I just posted my good version as theirs being photocopied was hard to read once scanned. Do they still need to send me the original document?? Note your comments re PPI I will pursue that I have done calcs form via on line search -linked backed to a guy on here and potentally could wipe £6k off my £10k o/s but not sure I have done it right so could be much more!

 

Thanks

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  • 2 weeks later...

HELP!! Returned home today to see Incasso on behalf of Tesco have issued me with a CCJ form!

 

After feeling sick for about 20 mins - what had I done to deserve them being so harsh on me, I got real and really want to sort this out properly.

 

Advice PLEASE URGENTLY.

 

As it stands I currently have a complaint into Tesco with regards to PPI miselling I cant believe they issued papers against me with this o/s. I am thinking of using this as my defence on basis that I cant agree to the debt they state!

 

I am also going to complain to the FOS about Tesco/Triton/Incasso due to their unreasonable attitude to this matter. I have never stopped paying the debt just reduced it due to my poor financial state. The complaint might not come to anything but may make someone sit up and take notice - I work in the Insurance industry and we always jump whenever a FOS complaint is received.

 

What else can I do - I have about 9 days to reply as it was issued 24/9 and only received yesterday!!

 

Thank you

 

M

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Morning,

I will move this thread into the legal issues section as they have sent you forms.

 

I'll have a look around and see if I can find out something on multiple agreements.

 

As far as I can recall, mutiple agreements require two signatures (one for the loan, the other for the PPI) but I can't say absolutely.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I have amended the title of this thread too to show that court papes have been issued.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Also,

Can you post up the POC's (particulars of claim)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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