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Tesco take my £1 fee for CCA request -debit from account balance and then issue DN

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I sent Tesco a CCA request and the fee of £1 for their trouble. They have cashed the cheque and I note they have nocked it off the balance. They havent sent any documents at all and ater the 14 days I sent them the default letter for the CCA and I have had a letter from them saying that they havent sent me anything because I didnt send them a cheque for £1 with my request. I have now received a DN and then a letter terminating my account and demanding payment in full within the next 17 days. The outstanding amount is £3800 and the sum of £221 in arrears.

Am I correct in thinking that because they have not sent me the CCA documents they are in default, cannot issue a legal default notice because of this, and now they have terminated my account they are only legally entitled to chase me for the arrears. Cos if this is correct I'm gonna open a bottle of Mead:smile: and celebrate.

Any help would be appreciated. :-D

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Will move your thread.

What temp did you send for the request ?

Did you make it clear that the £1 was to be used for this ?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

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I think so. The wording was "I am entitled to receive a copy of any credit agreement and a statement of account on request. I enclose payment of £1 which represents the fee payable under the consumer credit act "

Does this cover me. They just sent me my in dispute letter back with "NO £1" written on it with a letter saying they are not able to deal with this as the request was received but required fee not enclosed. They cashed the cheque on 21/7/2010 and knocked it off the outstanding balance! To**ers!

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if the dn stated the whole balance not just arrears then yes, they can only get the arrears

 

we need some dates on these letters please

 

might be best to scan them up

 

the dn might well be invalid for other reasons too.

 

objectively, it matters not what the £1 was used for, nor that they have not complied with the CCa request, that alone will not make the DN invalid

 

dx

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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on the DN

the 'fix by date' must be in the format DD/MM/YYYY

not xxx days from the date of this letter

the termination letter is thus invalid.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thats great news. Any idea if there is a template letter on here to send them. I cant wait to get it in the post. :whoo:

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use our advance search for

 

invalid default notice

 

see what others have done

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I have jus noticed that the default notice and the account termination letter both have the WRONG account numbers on them. What difference will this make as I was just about to send them a letter accepting the account termination.

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Just realised the new card issued is the new account number. Ignore me.

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I have just faxed off my letter to Tesco finance telling them I accept their termination. I have a sending confirmation hich shows a copy of the document sent with date, time, results etc. Is this sufficient or will I need to send a copy by recorded delivery?

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Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.


Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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