old tesco/RBS loan - help

[Rocky Roadster]

Hi Brigadier,

 

If it was legible would it be enforceable? (educated guess) or have you spotted something else?

 

Thanks,

[BRIGADIER2JCS]

With the state of that I would doubt the original would be much better so I doubt it.

[BRIGADIER2JCS]

Just keep the account in dispute to p them off:lol:

[Rocky Roadster]

Hi, I have sent off the illegible, still in default letter.

 

Will update when Moorcrap reply.

 

Cheers,

[BRIGADIER2JCS]

I wonder what their reaction will be.

[Rocky Roadster]

Will let you know when they eventually respond.

[ims21]

Sorry, got to go to A&E to have my split sides sewn back together!

[BRIGADIER2JCS]

They have got to be dim even to consider sending such utter C**P

[Rocky Roadster]

Hi Folks,

The latest letter form Moorcrap:

 

We have tried to help you...

It is clear that there is an impasse...

...the most sensible course of action is to return your account to our client and cease any further action...

Your account has now been closed and returned to the client....

we have sent them a copy of your letter...suggest that you contact the client at your earliest convenience should you have any unresolved concerns about this account and your liability. It is in my letter.

 

All I did was ask for a legible copy of the CCA.

 

What will Tesco/RBS do now I wonder?

 

Cheers,

 

....

[BRIGADIER2JCS]

Hi Rocky, at least it will go quiet for a while until it seeps down to pond life lower tha moorcrap:madgrin:

[Rocky Roadster]

Hi Brigadier,

 

Quiet is good. Will look forward to the next round.

Cheers,

[Rocky Roadster]

Guess what? I've just had a call from RMA in Preston (which I didn't answer). Could they have bought the debt?

[Happyhippy1959]

Hippy as not laughed as much since his special fag last year heeeeeeeeeeeee... will watch this with interest.

[DonkeyB]

Bear in mind that the issue with the CCA request is one they can easily overcome by providing a reconstituted version of the agreement together with the relevant T&Cs. Together with the (albeit illegible) signed version, a judge would be likely to allow this as proof of an agreement. Sad but true.

 

I think the real issue here is not the CCA, but the fact that you have been put under such pressure when you already have an arrangement in place and have not denied any liability for the debt. This is the bit that makes me angry. There has apparently been no correspondence with you to discuss the level of payment, so you are justified, IMO, to defend your position and fight.

 

Are you continuing to pay as per the earlier agreement? I would strongly suggest you do until these issues are resolved one way or another. I think you should be complaining to Tesco and asking why they have instructed DCAs in this matter when there is an existing agreement in place to pay. Tesco are responsible for the actions of their agents, so ask why the agent alluded to court action, and why they at first ignored your legitimate request, and ignored OFT collection guidelines, the result of which was to cause you unwarranted distress. Ask what restitution they intend to make for the actions of their agents.

 

I think this is the best way to fight back.

[BRIGADIER2JCS]

Ever informative DB:-)

[Rocky Roadster]

Thanks for that Donkey B, you make some very valid points. I stopped paying the arrangement when Moorcrap got the account and started the aggressive standard letter chain, as though I had defaulted on the arrangement. I only asked for the CCA then in self defense.

 

The CCA they sent really is illegible, and I think that they should be able to offer me something that I can read. The signature is illegible as well. I think that they may be able to supply a copy of the original agreement but they haven't yet met the Act's requirements as far as I am concerned, and I await their next response.

I will complain to Tesco as you suggest, about the aggressive approach of their appointed agents and their unreasonable noncompliance to my request and continued threats.

 

Why did they pass it on to Moorcrap when an arrangement was in place? I am sure that Moorcrap's fees are more than I am able to pay on an arrangement.

[DonkeyB]

There is a bit of a fallacy that you can stop paying just because the CCA request is flouted or ignored, and the account goes into dispute. The dispute simply means they cannot take enforcement action – it does not mean you should not pay! If you can, I strongly recommend getting your direct payments up to date, and keeping them up to date. This protects your stance should any legal action actually ensue, and would prove embarrassing to Tesco. Make it clear you simply ‘withheld’ payments while Moorcroft were involved, as you were alarmed that legal action was under way due to the misleading content of their letter.

[DonkeyB]

...and as they have appointed RMA, they clearly are intent on an unnecessary battle. Get that letter of complaint off to Tesco sharpish.

[Rocky Roadster]

Hi,

 

Following months of dispute with Tescoeverylittlehelps loan, I have now got my CCA which appears sound.

 

I wrote to FredInt and offered to pay £4 in line with my other creditors as a realistic amount that I can afford.

 

Went to pay by Fredpay.com and after keying in card details (reluctantly) three times, it finally refused my £4 as not enough.

 

So I guess the ball's in their court, or should I send a cheque?

 

Cheers,

[dx100uk]

i would never ever pay a dca

why can you not pay the OC?

 

dx

[paulh1818]

Is it just a one-off payment you are trying to make? If not, a standing order would be better for regular payments.

[mr_jones]

Its not for Freds or their system to dictate what is and is not enough.

[Rocky Roadster]

Ok, so I should write to Texco with my offer?

 

I don't like DCA's. (surprisingly).

 

If a DCA/solicitor gets a ccj against you, can you pay direct to the oc then as well? 'Scuse my igorance.

[dx100uk]

if the oc shows as the owner on your CRA file

no dca can get a ccj anyhow

you need to do some reading

 

if you are trying to post something up

 

use this guide:

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

dx

[dx100uk]

several threads merged on the same loan

 

please keep to ONE thread per debt

 

dx

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