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old tesco/RBS loan - help


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i have also worked to merge some more of your 100 threads

 

most are now merged under the title of the debt

 

please try to remember it helps no-one

to re advise previous info - lest of all you.

 

so its always best to stick to a single thread per debt.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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does this debt show on your cra file?

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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matters not

will not cost you anything as long as you cancel by day 30

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi all,

Letter today from Fred Int saying "you have failed to make an acceptable payment arrangement. Don't ignore this letter!" with a payment card listing my 2 nearest post offices.

 

I can't get my CRA file at the moment. But will soon hopefully.

 

 

FI also sent a second letter with an income and expenditure form that I "must complete and return within 7 days!"

 

Wow, I just looked at the form. They want Bank, Branch, sort code, account number, employer, pay day weekly or monthly, plus the usual.

 

Also "Please confirm that you have discussed the use of assets to make lump sum payments".

 

Cheeky beggars.

Edited by Rocky Roadster
additions

Rocky

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  • 2 weeks later...

Hi all,

 

Wrote to Tesco with and offer of payment and a cheque for the first monthly payment (which they cashed) and asked how I can pay by standing order.

 

I have now received a letter from Bryan Carter demanding repayment in full or ring Fred - or litigation!

 

Should I write to Fred and tell them I am paying Tesco?

Rocky

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no ignore them

 

they have no powers at all

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
  • 2 weeks later...

Hi all,

Fred Int has written: despite a recent letter from Bryan Carter you have failed to discharge your debt... before we recommend legal action to our client... as a gesture of goodwill we are prepared to accept a full and final settlement on this account - if you ring within 48 hours...

 

What a nice gesture of goodwill.

 

We are paying Tesxo each month but they haven't replied to my letter requesting details for a standing order yet.

 

Cheers,

Rocky

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urm..

 

something smells here.

 

does it mention a discounted offer

 

you REALLY need to get a copy of your CRA file/.

 

something is not right with this debt.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Hi all,

 

Have been paying £4 per month to Texsco and FI have now written to say that they will accept £4 per month, pay direct to them by s.o.

 

"Payment MUST be made by the due date, threat, threat etc."

 

I would rather pay Texsco directly.

 

What do you think? Don't want to go to court, things are already bad on the home front this year.

Rocky

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get thst cra file

we need to see who the owner is above anything else

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
  • 1 month later...

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

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.

then hit reply button

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ok so its tesco's that still own it

 

keep paying them what you like.

 

have you ever looked at reclaiming?

 

it might be an idea to sar tesco's

 

lets get the full history and see what showns

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

excatly what is says.......

 

traced ... gone away jan 2012

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I haven't moved so that raises some other questions:

 

Have they given up on collection even though I send a cheque each month with a letter from my address?

 

Has FI told them I can't be found to get themselves off the hook?

 

If I SAR them will that confirm my address and open up the can of worms again?

 

This account has been handled strangely as you can see from my earlier posts.

 

Not sure what to do next.

 

Thanks for your help,

 

:???:

Rocky

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the only way is to findout the TRUTH

 

sar.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 years later...

Hi All,

It's been a while but I am still kicking. This one has raised a problem again.

 

I kept to the agreement for this debt, paying Tesco £4 per month by standing order, which we can afford, although my circumstances are still poor.

FredInt are writing again, demanding we pay them.

 

Tried Fredpay but it didn't work, anyway I don't want to pay FredInt.

I wrote stating we have an agreement and are paying oc direct.

 

They replied:

"We are instructed by Tesco Bank to collect the above."

"pay us, or else"

 

Not sure what to do.

1) get credit reference (it's a bit of a nightmare process, or is it me)

2) request CCA again and see what they come up with,

3) complain to Tesco.

4) SAR Tesco or FredInt?

 

I have had a lot of successes with Cagger's advice, with CCA's being unenforceable, and I thought that this loan arrangement was working.

The return of the stress and upset is making me angry.

 

:evil:

Rocky

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please IGNORE THE DCA'S!!

 

 

they donot own the debt

and can do NOTHING TO YOU.

 

 

 

 

get that sar off to Tesco's

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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