Tesco

[v8monkeyboy]

Hi,

 

I'm hoping for a little help, if possible.

 

The short of the long is that, after about 2 years of to-ing and fro-ing between Tesco and various debt collection companies working for Tesco, it appears that Tesco have now sent me a copy of my CCA, complete with signature, although it is such a bad copy you can barely read it. It also appears to have all the prescribed terms etc on it, making it binding.

 

Moorcroft have recently been in touch stating that the amount I owe is around £195, whereas, I today got a letter from Tesco themselves stating that it was around £8600 (which is correct). Tesco want an offer of payment or the full amount, or they will send it onto a CCA (which they did originally, and it has taken them 2 years to find the CCA).

 

I'm planning on offering them either £75 per month which I can afford OR a full and final which is around 20% of the amount outstanding, which is the maximum I can afford.

 

What do you think? Is this the correct way of going about it? Any other suggestins?

 

Thanks!

 

Tracy

[PriorityOne]

Can you blank out all personal details and scan it up on here? If not, can you please describe what these prescribed terms actually state. That aside, whether they are their or not, the doc. still needs to be legible.

[dx100uk]

time to get reclaiming?

 

dx

[v8monkeyboy]

Hi,

 

Thank you all for your messages.

 

I've finally managed to scan the copies I was sent, which can be seen here:

 

http://i669.photobucket.com/albums/vv55/v8monkeyboy/tesco/Tescopage1.jpg

http://i669.photobucket.com/albums/vv55/v8monkeyboy/tesco/Tescopage2.jpg

Now, I think that these are the worst copies I've ever seen - this is how they came and we simply cannot read what it says.

Moorcroft have now also written to me (and called today) to give me until tomorrow to cough up £8600. I haven't spoken to them, as I know to communicate in writing.

What is the expert opinion on where to go next with this?

Thanks,

T

[dx100uk]

bit diff to read

try using

 

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 ir you have PDF as an installed printer drive use that

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

[v8monkeyboy]

Hi Dx,

 

I have scanned the copies as they came to me. They are just as hard to read in hard copy as they are on my scanned copies - the ones I have put up here are the exact same quality as the ones I have in my hand. I cannot make them any clearer - as I said, we struggle to read them as they are on paper.

 

T x

[dx100uk]

yes but a pdf can be zoomed

 

dx

[v8monkeyboy]

Dx - apologies for this. Will post up a pdf later today.

 

T

[v8monkeyboy]

Hi,

 

Have finally managed to sort the scans out to PDFs which are hopefully attached / shown here.

 

Any help anyone can give would be great.

 

Many thanks,

 

T

Tesco2.pdf

Tesco1.pdf

[v8monkeyboy]

Sorry to be a pain, but if there's anyone who could have a look at the attahed PDFs that would be great

 

T x

[BRIGADIER2JCS]

Very difficult to read, could be an applicaion

for or an agreement but difficult to say.

[v8monkeyboy]

Thanks,

 

What would be your suggestion as to what I do next? I currentlyt have Moorcroft threatening all sorts (payment in form of my first-born son, the usual), but I have no idea what to answer them with.

 

If I can't read the copy which Tesco have sent me, then how do I know that it actually pertains to me? The copy which I've posted on here is as clear as the copy I have in hard copy - neither I or my husband can read it properly.

 

T x

[ims21]

Hi

 

Personally I'd write back to them and say that what they have sent doesn't comply with the Act as it is illegible and tell them that you require a fully legible copy.

 

Looks like this has been faxed to you?

 

Regards

 

ims

[BRIGADIER2JCS]

The CCA 1974 states a legible copy,

send the account in dispute letter from

the CAG library and tell them it is

unacceptable and you cannot correspond

further until you request is properly met.

Brig.

[BRIGADIER2JCS]

Hi

 

Personally I'd write back to them and say that what they have sent doesn't comply with the Act as it is illegible and tell them that you require a fully legible copy.

 

Looks like this has been faxed to you?

 

Regards

 

ims

 

Badly reproed microfiche or screen shot I think.

[dx100uk]

two things

 

does this debt show on your CRA

 

and do you have all the statements

 

have you been luvied any unlawful fees [late etc]

or got PPI on it?

 

all this for £195 to me seems strange they are chasing it.

 

dx

[v8monkeyboy]

Thank you all

 

Brigadier you are quite correct; I had this posted to me in this form, and I too wondered where it had come from.

 

Thank you all for your help. I shall write to Moorcroft today and also inform them that I'll only correpsond in wiriting.

 

T x

[v8monkeyboy]

Dx - It's for more than that unfortunately. Tesco are asking for £8600 ish and Morrocroft originally started asking for £195. They too are now asking for the £8600 sum.

 

It all seems very confused. Initially, when all of this started, two years ago, Tesco informed me that they had sold the debt on. I had loads of companies chasing me, none of whom could find the CCA. Tesco eventually wrote to me and said they didn't have it, and neither did they have my signature on file. Then, after the last CCA request, I had this sent through to me.

[Abelly]

Use a signature thing for £4 on the main page ....

Edited September 8, 2011 by Abelly

[BRIGADIER2JCS]

I think you need to be careful of comments

like that it has only been alleged that this

type of action has taken place as far as I

am aware there is only 1 case been proved.

[ims21]

Hi

 

closer look at the document suggests that it it a credit agreement rather than an application. No matter how I play with it with various image enhancement tools available to me I still can't get a fully legible result. (I have to say I don't have the latest sophisticated technology though lol).

 

I can make out some key financial information, there is a signature of the lender, total amount of interest is on there, number of repayments etc.

 

So it looks like it is an agreement but it still fails on the legibility front.

 

IMHO

 

Regards

 

ims

Edited September 8, 2011 by ims21

[BRIGADIER2JCS]

Had some colleague give an opinion

it is illegible you should not have

to use any aids to be able to clearly

read any legal documents:madgrin:

[ims21]

Had some colleague give an opinion

it is illegible you should not have

to use any aids to be able to clearly

read any legal documents:madgrin:

 

I agree...of course you shouldn't need aids to read it.

 

Just thought it a bit of challenge to see if I could uncover some useful info in there.

 

Note to self.....Get a life

 

Regards

 

ims

[BRIGADIER2JCS]

SAD, ain't it I do it still,but

I'm still at work at present

and bored.

[v8monkeyboy]

Thank you all for your help

 

I'll write the 'in dispute' letter and see what I get back. If it comes back as legible, I'll post the results on here.

 

Once again, many thanks.

 

T x